Smart Money is a money management program for high school students under the age group of 14 to 18 years. This is a basic checking account with features such as free debit/ATM card, modest limit credit card, parental control as well as oversight and money management seminars. Students are required to complete a money management course or an equivalent to be eligible to open an account in case they do no have their parents as joint account owners/co-signers on the account. Permission from the parents is mandatory to start an account.