Building generational wealth starts early. Our youth banking and education financing programs are designed to give the next generation the tools they need to build a strong financial foundation — from their very first dollar to their first degree.
Little Bee Savings
Ages 0–12
Start them young. Our custodial savings account earns 3.0% APY with no minimum balance and no monthly fees. Parents and guardians maintain full oversight through our mobile app. Includes a fun milestone tracker that rewards saving habits.
- No minimum balance or monthly fees
- 3.0% APY — among the highest for youth accounts
- Parental controls and spending alerts
- Birthday bonus deposit match (up to $25)
Young Ruler Checking
Ages 13–17
A real checking account with training wheels. Teens get their own debit card with customizable daily spending limits. Built-in budgeting tools help them learn to manage money before they head off on their own.
- Debit card with parental spending controls
- No overdraft fees — transactions simply decline
- Built-in budgeting and goal-setting tools
- Direct deposit for first jobs
Scholar Checking
Ages 18–24
Free checking for full-time students at any accredited college or trade school. No minimum balance, no monthly fees, and unlimited ATM fee refunds nationwide. Because the only thing a student should worry about is studying.
- $0 monthly fee with valid student ID
- Unlimited ATM fee refunds (any ATM)
- Free official bank checks
- Automatic upgrade to full checking at graduation
Wutang Financial offers competitive education financing options to help families invest in what matters most. Whether you're saving ahead of time or financing tuition right now, we have a solution that fits.
| Product | Details | Rate |
|---|---|---|
| 529 College Savings Plan | Tax-advantaged savings for K–12 and higher education. Multiple investment tiers available. | Tax-Free Growth |
| Undergraduate Student Loan | Fixed-rate loans for 4-year and 2-year programs. No origination fees. 6-month grace period after graduation. | 4.99% Fixed |
| Graduate Student Loan | Financing for master's, doctoral, and professional programs. Defer payments while enrolled. | 5.49% Fixed |
| Trade & Vocational Loan | Covering certified trade programs, coding bootcamps, and vocational schools. 12-month grace period. | 4.75% Fixed |
| Student Loan Refinancing | Consolidate federal and private loans into one lower monthly payment. No application fee. | From 3.99% |
| Parent PLUS Alternative | Lower-rate alternative to federal Parent PLUS loans. Co-signer release available after 24 payments. | 5.25% Fixed |
Invest in the Next Generation
Wutang Financial is for the children. Open a youth account today and give them a head start on their financial journey. No minimums, no excuses.
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