Hy-Vee Smart Start Checking

Exclusive for Employees

Hy-Vee Smart Start Checking Account:

The Hy-Vee Smart Start Checking Account is designed exclusively for minor Hy-Vee employees.
No parent or legal guardian required. Receive a 25¢ Fuel Saver when you use your debit card 15 times within one calendar month.*

Hy-Vee Smart Start Checking Account Details:

  • $0 opening balance
  • $0 daily minimum balance
  • Free VISA debit card
  • Online/mobile banking
  • Bill pay
  • E-statements
  • Zelle®
  • Remote Deposit Capture

Other Fees:

A $5.00 paper statement fee will be assessed if paper statements are selected. If enrolled in e-statements, the fee is waived.


To apply you must:

  • Be a legal US resident
  • Be at least 18 years old, other than
    • Ages 14-17 can open with a joint owner age 18+
    • Hy-Vee Smart Start does not allow joint owner
  • Have a Social Security number or US CIS Number
  • Provide a digital copy of a driver's license, state ID card or passport.

* Fuel Saver discount: Must have at least 15 debit card purchases post to your account within a calendar month. ATM transactions are not included. Must provide your Fuel Saver number and full name to Midwest Heritage by calling 1-800-782-0521 or emailing cservice@mhbank.com (one-time requirement). When qualifications are met, Fuel saver will be loaded within 7 business days of the last day of the previous month. Only one $0.25 Fuel Saver discount allowed per employee, per account and per month. See Fuel Saver Terms & Conditions for Fuel Saver program details (including expirations).