Therefore, you’ll want to consider each in terms of the products you offer and where you offer them. Let’s start with the 18-year-old. Most likely, his or her parents will choose their first checking account. Consider how to reach both parents and kids before the kids go off to college. On the other hand, a 30 year-old could very well have young kids of their own at home. Think about how and where you can reach out to newly formed families.