MySci Accounts

Your child’s first steps are both exhilarating and terrifying. As they begin to explore their new found surroundings with independence and momentum, you are there, guiding and protecting. Direct them on an all-important savings journey that can lead to financial wellness and a bright future.

• Earn 3.00% APY on the first $2,500.00*
• Available to individuals 23 and younger
• Only $25 to open account.  Joint ownership for parents or guardians (must be Scient member)
• No monthly service fees
• Track your savings with free Mobile and Online Banking (must be 13+ to use mobile and online banking)
• Links to parent's/guardian's account for easy transfers (think allowance)
• At age 24, MySci Savings account transfers to a Share Savings Accounts

*APY= Annual Percentage Yield. APY effective as of February 1, 2023, and is subject to change without notice. Minimum amount to open a MySci Savings Account is $25.00.  Limit one MySci Savings account per Social Security number. Earn a dividend rate of 3.00% APY on the average daily balance of $0 – $2,500.  Earn a dividend rate of 0.15% APY on the average daily balance of $2,501 and greater.  Interest earned is based on Average Daily Balance for the month. The MySci Savings account is a split rate tiered savings account where you earn the stated APY only for the account balance within each tier. Dividends are calculated by the average daily balance method that applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the calendar month. Other terms and conditions may apply.  

Continue to lead your child down the path of financial success with a MySci checking account. Designed for 13–23 year olds navigating school, summer jobs, driving and many other firsts, a MySci checking account allows them to manage their money on their terms.  

• Earn 0.10% APY*
• Offered to members age 13–23
• No minimum balance to open. Joint ownership for parents or guardians (up to age 18)
• No monthly service fees.**
• Contactless debit card enabled for Apple Pay^® and Google Pay^™ can be used at over 30,000 surcharge free, nationwide ATMs
• Smart daily debit card limits of $100 in cash ATM withdrawals and $250 in spending
• Mobile deposit checks and track your money via texts with our free Mobile App
• Set-up account alerts via text or email thru Online Banking
• Sign up for Direct Deposit and add $25 to your account †
• Links to parent's/guardian's account for easy transfers (think allowance)

*APY= Annual Percentage Yield. APY effective as of June 1, 2021, and is subject to change without notice. Interest earned is based on Average Daily Balance for the month. Earn a dividend rate of 0.10% APY on the average daily balance. Dividends are calculated by the average daily balance method that applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the calendar month. See Truth and Savings Disclosure for additional details and fees that may reduce earnings on this account.
**A monthly maintenance fee will be applied if the primary member is not enrolled in Scient eStatements thru online banking. See Truth and Savings Disclosure for additional details and fees that may reduce earnings on this account.
†This offer is limited to one per account number.  To receive the $25 bonus, the minimum direct deposit must be in the amount of $250 per month. Member needs to notify the credit union within 60 days after the initial direct deposit has been received by Scient FCU to receive the $25 bonus. The $25 bonus will be added to the member’s checking account within 30 days of notification. Checking account must remain open for 12 months or the bonus will be debited (subtracted) from the account balance at closing. This bonus will be reported to the IRS as a dividend. This is a limited time offer and may be canceled or modified at any time. Other terms and conditions may apply.

Don’t wait in line on pay day to deposit your check. Sign up for Direct Deposit and have your money automatically deposited into your account!

Start saving time today

Simply bring your Scient account number and Scient’s Routing/ABA Number (211177010) to your employer to sign up.