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Seed Checking

A checking account and debit card for kids, managed by parents. Safe, secure, and shared, Seed enables kids under 18 to grow their financial independence.

Minimum Deposit

$50

Monthly Fee

None

Features

  • No minimum balance requirement

  • Free Seed Card – Visa debit card. Choose from four exclusive Seed card designs

  • Free Online & Mobile Banking – individual access for parent and child

  • Free eStatements

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Seed

Banking for kids managed by parents.

This convenient debit card is perfect for excursions, school trips or in case of emergency. Just set up your parental controls and spending limits, then watch their money smarts grow.

SEED BENEFITS

  • Set daily spending limits for debit card purchases and ATM cash withdrawals

  • Up-to-date account monitoring and management

  • Free Online and Mobile Banking access for both parent and child

  • Set email and mobile alerts through Online Banking

  • Free eStatements

  • Set up regular “allowance” through recurring account transfers

  • No monthly maintenance fee

  • No ongoing minimum balance requirement

RESPONSIBILITY STARTS HERE.

To get started, simply complete our online application.

Once you've been approved for a Seed Checking Account1, here’s what you need to provide:

  • $50 minimum opening deposit

  • Your government-issued photo ID

  • Your child's government-issued photo ID (if none, your child's birth certificate and Social Security card)

  • Your child’s Social Security number (Social Security card may be requested)

1. Account opening and debit card issuance are subject to approval.

  • We recommend Seed for children beginning at about 12 years old. We encourage talking to your child about the importance of financial responsibility and how to use a debit card. An adult co-owner is ultimately financially responsible for the account so every parent should decide what’s right for their child and family.

  • Seed is specifically designed for children under the age of 18. However, because your child is underage, a parent (or adult guardian) needs to share ownership of the account. Your child will receive their own debit card, and can register for their own Online and Mobile Banking access. As the adult co-owner, you will be financially responsible for the account.

  • If you apply for the account online, you and your child will not need to come into a branch. A Hawaii National Bank representative will contact you once we receive the application.

    If you open an account at a branch, please come with your child and the items listed above.

  • When applying for a Seed account online, please complete the application with parent/guardian information only. After submittal, a Hawaii National Bank representative will contact you to add your child as a joint owner. If you continue to have problems, please give us a call at (808) 528-7800 during business hours (Mon - Fri: 8am - 5pm) or email us at eBanking@HNBhawaii.com.

  • Yes, daily limits can be set at account opening. The default spending limits are:
    • $100 daily ATM cash withdrawal limit
    • $300 for debit card purchases
    Changes can also be made by calling eBanking at (808) 528-7800.

  • Yes, you can set email and mobile alerts through Online Banking. Click on “Account Alerts” under the Accounts tab.

  • Yes, in addition to monthly eStatements, you can view all transaction activity 24/7 through Online Banking or the Hawaii National Bank mobile app.

  • If your child loses their debit card, please notify us immediately. During business hours, (Mon - Fri: 8am - 5pm) call (808) 528-7800. After hours, call (800) 528-2273. If outside of the U.S., please call (812) 647-9794. Your child can also turn off their debit card through the mobile app, using their Mobile Banking login credentials.

  • Some businesses may ask to see a Photo ID. Please make sure your child carries their school or government-issued photo ID with their debit card.

Questions

  • We recommend Seed for children beginning at about 12 years old. We encourage talking to your child about the importance of financial responsibility and how to use a debit card. An adult co-owner is ultimately financially responsible for the account so every parent should decide what’s right for their child and family.

  • Seed is specifically designed for children under the age of 18. However, because your child is underage, a parent (or adult guardian) needs to share ownership of the account. Your child will receive their own debit card, and can register for their own Online and Mobile Banking access. As the adult co-owner, you will be financially responsible for the account.

  • If you apply for the account online, you and your child will not need to come into a branch. A Hawaii National Bank representative will contact you once we receive the application.

    If you open an account at a branch, please come with your child and the items listed above.

  • When applying for a Seed account online, please complete the application with parent/guardian information only. After submittal, a Hawaii National Bank representative will contact you to add your child as a joint owner. If you continue to have problems, please give us a call at (808) 528-7800 during business hours (Mon - Fri: 8am - 5pm) or email us at eBanking@HNBhawaii.com.

  • Yes, daily limits can be set at account opening. The default spending limits are:
    • $100 daily ATM cash withdrawal limit
    • $300 for debit card purchases
    Changes can also be made by calling eBanking at (808) 528-7800.

  • Yes, you can set email and mobile alerts through Online Banking. Click on “Account Alerts” under the Accounts tab.

  • Yes, in addition to monthly eStatements, you can view all transaction activity 24/7 through Online Banking or the Hawaii National Bank mobile app.

  • If your child loses their debit card, please notify us immediately. During business hours, (Mon - Fri: 8am - 5pm) call (808) 528-7800. After hours, call (800) 528-2273. If outside of the U.S., please call (812) 647-9794. Your child can also turn off their debit card through the mobile app, using their Mobile Banking login credentials.

  • Some businesses may ask to see a Photo ID. Please make sure your child carries their school or government-issued photo ID with their debit card.

Choose from four different designs

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    Open an account online today from the comfort of your home.

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    Questions? We're here to help online or over the phone.

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Seed Resources

Starting a conversation with your kids is the hard part. Use these helpful guides and resources to help lead them to better financial independence.

Seed Resource Guide