We believe it’s never too early to build good money habits. When you open a Southern Energy Share (Savings) Account for a child – whether they’re a newborn or a teenager – they’ll enjoy simple, rewarding benefits designed to help them learn about saving and watch their money grow.
Opening their Share Account helps adults and children team up as the perfect first step towards healthy financial habits.
Highlights:
Get started today! Starting a child on a solid financial path is easy! Open a Share Account at any branch or online. You’ll be glad you did.
Savings Rates
How do I open a Share Account for a child?
You can open a Share Account at your local branch or online. To open the account, you will need the child’s birth certificate or Social Security card as well as the driver’s license for the joint accountholder on the account.
Who can open a Share Account for a child?
Parents, grandparents, aunts, uncles, or really, anyone can open a Share (Savings) Account to help start the kids in their life on a smart financial path! You’ll need to have the child’s birth certificate or Social Security card as well as the driver’s license for the joint accountholder on the account.
When should I open a Share Account for my child?
It’s never too early to start your child on a great financial path! Opening a child’s Share Account is a simple, rewarding way for children to learn about saving and watch their money grow.
How do I set up digital banking (Online Banking or our Mobile Banking App) for my child’s Share Account?
You can register your child’s Share Account for Digital Banking access. When registering, you should use the child’s information.
If you have other accounts with Southern Energy, once you have created a login for your child’s account and your other account(s), you can connect them through QuickLogin. The QuickLogin feature inside Digital Banking makes it easy for parents or grandparents to monitor the accounts you share with your child and grandchild, without needing to log-out from your primary Digital Banking profile. Need assistance with QuickLogin? Our dedicated Contact Center is available at 1-800-249-2726 Monday through Friday, 9am-6pm Eastern, 8am–5pm Central. Calls received outside of these hours will be answered by our after-hours team who can handle basic transaction, balance, and inquiry requests.
What if my child doesn’t get grades on their report card yet? Can they still earn the Scholar Dollars report card rewards?
Our Scholar Dollars program is designed for K-12 students receiving letter grades including As and Bs. You can go ahead and open a Share Account for your child and start them on a strong financial path before they begin receiving letter grades on their report card.
Share (Savings) Account dividends computed on the average daily balance and compounded quarterly. Rate paid as of 9/30/25. Rates subject to change. Terms and conditions apply. Please contact us for more details.
*Scholar Dollars: Child must be a K-12 student and receive all As and Bs to be eligible for $10 per grade period. Maximum value rewarded annually is $40. Report card must be turned in for points within 30 days of issuance for the given grading period. Rewards points will be deposited to the member’s account. Program subject to change or be discontinued at any time.
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