Big Fun. Smart Savings. $100 Bonus!

The BayFirst Cash Kids Club and Savings Account is the ultimate way for kids 12 and under to learn smart money skills, enjoy exciting activities, and earn exclusive perks. Plus, for a limited time, get a $1002 bonus when you open a new account! It's fun, educational, and free to join—help your child start saving today while they discover the joy of watching their money grow.

Find a Location

TrendSetters Club

Free to Join

For kids 12 and under, open a Cash Kids Club Savings account to join.

Earn up to 5.04% APY1

Exclusive Events

Get invited to Cash Bashes, Kids Club Saturday, and more!

Smart banking for the next generation.

Make friends, have fun, and establish strong financial habits for life. 

Cash Kids Club Benefits

Kids Club Welcome Kit

New members receive: 

  • Superhero drawstring bag
  • Cash plush stuffed animal
  • Cash Kids Club t-shirt
  • Kids Club members wristband
  • Official BayFirst trading card
  • One free Tampa Bay Rowdies ticket
  • Rowdies kids soccer ball
  • And more!

Account Features

  • Earn up to 5.04% APY1
  • Only $10 to open
  • No maintenance fees
  • Free online banking 

Free Fun & Activities

With free events and activities scheduled throughout the year at our banking centers and in the community, the Cash Kids Club is about more than just banking. It's about fun.

Exclusive Events

Kids Club Saturdays
Members can stop into a BayFirst banking center*, make a deposit, and get a free gift on the third Saturday of every month.

Cash Kids Club Bash
Bring the whole family to this outdoor event featuring food trucks, bounce houses, a video game truck, balloon making, and more. Check out our calendar to see when one is coming to a banking center near you!

Free Admission to Cool Attractions
On the first Saturday of the month, Cash Kids Club Members receive free admission to one of our community partners, which include museums, mini-golf, and more! Or, members can check out our fun and exciting events held directly at your local banking center.

Events Calendar Partner Calendar

Cash Kids Corner Newsletter

Written by our mascot, Cash, the Cash Kids Corner Newsletter includes fun activities, financial education resources, and more!

Current Newsletter

Join Today

Ready to watch your kids have a blast while learning about money? Head to your nearest BayFirst banking center to sign up for the Cash Kids Club. It's where fun meets finance!

Cash Kids Club FAQs

The Cash Kids Club is for children 12 and under who are eager to learn about money in a fun and engaging way! Once a child reaches age 13, their account will transition to a Statement Savings account, ensuring they continue their financial journey with age-appropriate resources and guidance.

There is no fee to join the Cash Kids Club.  You just need to open a Cash Kids Club savings account at one of our banking centers! It's a simple step that opens the door to a world of financial fun and learning for a child in your life.

Opening a Cash Kids Club Savings account is easy! Just visit any BayFirst banking center with your ID and a social security card or birth certificate for the minor. From there, our friendly staff will guide you through the process and get your child started.

Please note: While the child does not need to be present for an adult to open their account, a child who wants to open an account must be accompanied by the adult joint account holder.
 

We require proof of identification, such as a social security card or birth certificate, for the minor and a valid ID for the adult opening the account on their behalf.

Typically, the account is opened by a parent for their child. However, grandparents, other family members, and even friends can also open a custodial account for a minor.

Upon account opening, you will receive a Welcome Kit which includes a pamphlet. Inside the pamphlet is a QR code which, when scanned, will take you to our special Rowdies page where you can choose your game and pick your seat!

Still Have Questions?

1  Cash Kids Club Savings is a tiered, interest-bearing savings account. The interest rate and corresponding annual percentage yield (APY) are tiered. If the daily balance in the account is less than $500, the interest rate paid on the entire balance will be 4.92% with an APY of 5.04%. An interest rate of 2.97% will be applied on daily balances equal to or greater than $500.00 but less than $3,000, the APY for this tier will range from 5.04% to 3.35% depending on the balance in the account. An interest rate of 1.73% will be applied on daily balances equal to or greater than $3,000, the APY for this tier will range from 3.35% to 1.75%, depending on the balance in the account. Interest rate is effective as of 1/30/25. Rates are variable and are subject to change at the bank’s discretion. Rates are calculated on a daily balance method. Fees may reduce earnings. No minimum balance requirement. Minimum to open is $10.00. Limited to one Cash Kids Club Savings account per child. You may make six (6) withdrawals/transfers from your account each month, by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Transfers and withdrawals made in person, by mail, or at an ATM are unlimited. The methods of account access vary by product type, and certain account access methods may not be available with all products. At the age of thirteen (13), the account will be converted to a Statement Savings account.


Cash Kids Club: To qualify for the $100 Cash Kids Club bonus, must be new BayFirst customer and qualified to open an account in accordance with our normal standards. No minimum balance requirement. Minimum to open is $10.00. Offer is subject to change and may be withdrawn at any time. To receive bonus payment, account must be open at least until bonus payment is credited to the account. You will be paid $25.00 as a bonus match at the end of each monthly statement cycle for up to 4 monthly statement cycles, totaling $100. BayFirst will match up to $100 for deposits, auto transfers, or direct deposits made within the first 5 months of account opening. In order to qualify for the monthly deposit match, you must receive one or more deposits or transfers with a cumulative total of $25 within each monthly statement cycle. Account must be opened by 03/31/2025. Cash Kids Club Savings is a tiered, interest-bearing savings account. The interest rate and corresponding annual percentage yield (APY) are tiered. If the daily balance in the account is $500.00 or less, the interest rate paid on the entire balance will be 4.92% with an APY of 5.04%. An interest rate of 2.97% will be applied on daily balances between $501.00 and $3,000, the APY for this tier will range from 5.04% to 3.35% depending on the balance in the account. An interest rate of 1.00% will be applied on daily balances above $3,000, the APY for this tier will range from 3.35% to 2.41%, depending on the balance in the account. APY calculations are based on a total deposit balance of $5,000. Rates effective as of 01/30/2025. Rates are variable and are subject to change at the bank’s discretion. Rates are calculated on a daily balance method. Fees may reduce earnings. The $100 bonus will be reported to the IRS in accordance with applicable law.

*Sarasota Downtown and Newtown locations are closed on Saturdays.