Setting Up Your Child’s Debit MasterCard® Anytime, Anywhere

• Parents, log into your Online Banking account using your credentials, not your child’s.
• In the navigation bar, find “eStatements & More”
• Click “Card Controls”
• Click “Switch or Add Card”
• Then select “Add a Card”
• Enter your child’s debit card information and follow the on-screen instructions.
• Debit cards will be mailed within two weeks for accounts opened online.

Manage Your Child’s Debit MasterCard® Anytime, Anywhere

• To access your child’s debit card controls and alerts, click “eStatements & More” in the navigation bar.
• Click “Card Controls”
• Scroll to the “Manage Card” section to limit transactions by location, merchant type, transaction type, or set spending limits.
• You can also set alerts for specific transactions, reset the PIN, manage travel plans, and view spending insights.
• Then select “Add a Card”
• Enter your child’s debit card information and follow the on-screen instructions.
• Debit cards will be mailed within two weeks for accounts opened online.

A great feature included with your child’s RightStart Account is the ability for them to earn cash bonuses for completing fun financial activities that teach important money skills that will last a lifetime. The information your child learns today will help prepare them for a future of financial security and independence as they journey into adulthood.
Each year on their birthday, your child will receive new, age-appropriate Learn2Earn financial activities through our nationally recognized education partner, Banzai. Kids can access these activities by logging into their BayCoast Online Banking Account or Mobile Banking app.
To claim their cash reward, kids will need to complete all of the required financial education activities that are assigned based on their age. Once verified, BayCoast Bank will deposit the Learn2Earn reward directly into your child’s RightStart Account, typically within 15 days.

The Debit MasterCard® issued on this account will be in your child’s name only, but parents can control their child’s debit card in Online and Mobile Banking.

If your child has more than one account with BayCoast Bank, they can move money between accounts. Parents can control all account activity through their Online or Mobile Banking account..

To access Learn2Earn financial literacy activities, the child should the following:

Log into BayCoast Bank’s Online or Mobile Banking.
Click the “Learn2Earn” link.
Register or sign in with our education partner Banzai to track your progress.

Parents can manage and monitor their child’s debit card use, account activity, set spending limits, restrict what types of merchants they can buy from, and get real-time notifications for purchases.

The program is designed for kids aged 6 to 17. When they turn 18, they will be required to switch to a standard checking account. We’re happy to talk about your options anytime!

No overdraft fees will be charged to a RightStart Account. If there’s not enough money in the account to cover a transaction, it may be declined. However, sometimes a payment might still go through based on how it was processed and whether the merchant checked the available balance, which could result in an overdraft.!

You can easily move money between accounts using BayCoast Bank’s Online or Mobile Banking app. Once logged in, look for the transfer option, choose the accounts to transfer from and to, enter the amount and confirm the transfer.

Yes, parents can put money into the account in person or they can transfer into the account using their Online or Mobile Banking app.

If your child loses or misplaces their debit card, or it is stolen, you can quickly turn it off using Card Controls in BayCoast’s Online or Mobile Banking. This will prevent unauthorized purchases and allow you to request a replacement card. Alternatively, you can visit any BayCoast Bank branch to cancel the card and receive a replacement instantly.