means it's never too early to build a strong financial path


backed by Bluestone

Introducing the Milestone Account. 


A place to put birthday checks, allowance money, paychecks and all that loose change you find in the washing machine.

At Bluestone Bank, we believe it’s never too early to set kids up on a strong financial path. That’s why we created the Milestone Account. Designed to grow with them from birth to age 23, it’s an innovative tiered checking account and savings all rolled into one. 

Each milestone brings a new set of benefits, like $10 birthday rewards up to age 12, an initial deposit match of $25, and a 5% interest rate on deposits under $500. No monthly fees. No ATM fees. No hassle – just set it and forget it! Plus, every step of the way, we’ll help you build not just savings but financial literacy. 

Check out the details below and make an appointment.

First Steps

Ages0 – 12
Minimum to Open Account$25
Initial Account Opening Bonus Match1$25 on initial deposit
Interest Rate Tier 1 (balances up to $500)5.00%
Annual Percentage Yield (APY)2  Tier 1  
5.12%
Interest Rate Tier 2 (balances above $500)
0.01%
Annual Percentage Yield (APY)2  Tier 2
2.56% - 5.12%
Birthday Reward3$10
Online Banking6parents only
Bill Payment7
n/a
Mobile Bankingparents only
Zelle®9parents only
Parent on Accountyes

Keeping Pace

Ages13 – 15
Minimum to Open Account$25
Initial Account Opening Bonus Match1
$25 on initial deposit
Interest Rate Tier 1 (balances up to $500)
5.00%
Annual Percentage Yield (APY)2  Tier 1  
5.12%
Interest Rate Tier 2 (balances above $500)
0.01%
Annual Percentage Yield (APY)2  Tier 2
2.56% - 5.12%
Foreign ATM Fees Waivedall waived
ATM Surcharges Rebatedup to $20/month
Debit Card Usage Limits$250/day
In-Branch Withdrawals and Check Cashing5
$250/day
ATM Withdrawals$250/day
Online Banking6yes
Bill Payment7
n/a
Mobile Bankingyes
Mobile Deposit Limits8$250/check
$500/daily
$1,000/multi-day
Zelle®9parents only
Parent on Accountyes

Gaining Ground

Ages16 – 18
Minimum to Open Account$25
Initial Account Opening Bonus Match1
$25 on initial deposit
Interest Rate Tier 1 (balances up to $500)
5.00%
Annual Percentage Yield (APY)2  Tier 1  
5.12%
Interest Rate Tier 2 (balances above $500)
0.01%
Annual Percentage Yield (APY)2  Tier 2
2.56% - 5.12%
Foreign ATM Fees Waivedall waived
ATM Surcharges Rebatedup to $20/month
Free Basic Checksyes
Debit Card Usage Limits4 $1,000/day
In-Branch Withdrawals and Check Cashing5
no limitations
ATM Withdrawals$500/day
Online Banking6yes
Bill Payment7only at 18
Mobile Bankingyes
Mobile Deposit Limits8$1,000/check
$2,500/daily
$5,000/multi-day
Zelle®9only at 18
Parent on Accountyes

Building Up10

Ages19 – 23
Minimum to Open Account$25
Initial Account Opening Bonus Match1
$25 on initial deposit
Interest Rate Tier 1 (balances up to $500)
5.00%
Annual Percentage Yield (APY)2  Tier 1  
5.12%
Interest Rate Tier 2 (balances above $500)
0.01%
Annual Percentage Yield (APY)2  Tier 2
2.56% - 5.12%
Foreign ATM Fees Waivedall waived
ATM Surcharges Rebatedup to $20/month
Free Basic Checksyes
Debit Card Usage Limits4$1,000/day
In-Branch Withdrawals and Check Cashing5no limitations
ATM Withdrawals$500/day
Online Banking6yes
Bill Payment7yes
Mobile Bankingyes
Mobile Deposit Limits8$2,500/check
$5,000/daily
$10,000/multi-day
Zelle®9yes
Parent on Accountoptional

1 Initial account opening bonus match will be deposited during account opening and is provided once during the Milestone account lifetime. The initial account opening match is subject to tax reporting requirements.

2 Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest rate and APY are accurate as of 7/12/2022 and calculated on an account balance of $1,000. Account balance must be $0.01 or greater to earn interest.

3 Birthday reward will be deposited the first business day of the month following when the birthday occurred. One birthday reward per account per calendar year. Account balance must be $0.01 or greater to receive the birthday reward. 

4 In the stage of Keeping Pace, the parent/guardian must co-sign the application in order for the minor to apply for a debit card. In all stages, parents/guardians are not eligible to receive a debit card in their name. 

5 The parent/guardian may make withdrawals without limitations in all account stages. In the Keeping Pace the minor may exceed the $250 maximum with the parent/guardian present. 

6 Only parents/guardians can register for Online and Mobile Banking in the First Steps benefit category. Message and data rates may apply.

Parents/guardians cannot register for Bill Payment until the minor is of the age of 18.

8 Mobile Deposit Limits change based on the benefit category: 

  • Keeping Pace: our current daily deposit limit is $500 per day and no single check exceeding $250 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $1,000 over a five-day period;  
  • Gaining Ground: our current daily deposit limit is $2,500 per day and no single check exceeding $1,000 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $5,000 over a five-day period;  
  • Building Up: our current daily deposit limit is $5,000 per day and no single check exceeding $2,500 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $10,000 over a five-day period. 

Mobile Deposit Limits for the parent/guardian can be found in our Mobile Banking Agreement.

9 Zelle® is available to parents/guardians in all stages of the account.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

10 Building Up will automatically convert to a Free Checking on the 24th birthday.