Free Teen Checking that grows with you

We offer teen checking account options that grow with your teen on their financial journey – with debit card, easy-to-use mobile banking and more!

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Teen Checking Account Options

You'll find the best teen checking account options with all the account essentials and no service fee.* Select the right one for your needs today.

Monthly service fee*

$20 minimum opening deposit

$0 Ages: 13-17

ID Protect with dark web monitoring

Early Pay Deposit

Earns dividends

Overdraft services

Ages: 18+

Premier
Checking

Our most popular checking account with all the account essentials & more!

$9 or $0
(with waivers)

Free
Checking

Everyday checking essentials & no monthly service fee.

$0

Additional Account Features

Zelle

Ages: 18+

Mobile & online banking

Mobile deposit

Bill Pay

Debit card on/off switch

Cash back debit card offers

Teen Checking Account Options

You'll find the best teen checking account options with all the account essentials and no service fee.* Select the right one for your needs today.

Premier
Checking

Our most popular checking account with all the account essentials & more!

Monthly service fee*

$20 minimum opening deposit

$0 Ages: 13-17

ID Protect with dark web monitoring

Early Pay Deposit

Earns dividends

Overdraft services

Ages: 18+

Zelle

Ages: 18+

Mobile & online banking

Mobile deposit

Bill Pay

Debit card on/off switch

Cash back debit card offers

$9 or $0
(with waivers)

Free
Checking

Everyday checking essentials & no monthly service fee.

Monthly service fee*

$20 minimum opening deposit

$0 Ages: 13-17

ID Protect with dark web monitoring

Early Pay Deposit

Earns dividends

Overdraft services

Ages: 18+

Zelle

Ages: 18+

Mobile & online banking

Mobile deposit

Bill Pay

Debit card on/off switch

Cash back debit card offers

$0

* No monthly service fee for Free Checking. Premier Checking monthly service fee waiver criteria: Direct deposits totaling at least $1,500 per month or $3,000 average daily checking account balance or under 25 years old. On both Premier and Free Checking, all standard fees may apply, including stop payment fees, non-sufficient funds fees, out-of-network ATM fees, and overdraft privilege services. For current fee schedule, visit ArizonaFinancial.org/Disclosures 

Premier Checking Account Rates

Our Premier Checking Account is available for teens ages 13-17. We also offer checking accounts for Young Adults ages 18-24 years old.
Minimum to Earn APY
Dividend
Rate
APY*
Minimum to Earn APY
$25
Dividend
Rate
0.06%
APY*
0.06%
Minimum to Earn APY
$1,000
Dividend
Rate
0.10%
APY*
0.10%
Minimum to Earn APY
$10,000
Dividend
Rate
0.12%
APY*
0.12%
Minimum to Earn APY
$25,000
Dividend
Rate
0.15%
APY*
0.15%
Effective May 1, 2024

*Annual Percentage Yield. Minimum opening deposit is $0. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings.

*Annual Percentage Yield. Minimum opening deposit is $0. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings.

Start Your
Teen Checking Application:
Teen girl with Laptop

Our best Checking Account for Teens
Has It All!

Building good financial spending habits is critical to long-term financial success. Start teaching your kids how to manage money early with our Premier Checking Account.
Get Started
No Fees or Minimum Balance

Our Premier Checking Account has no minimum balance and there's no monthly fee!

Great for Teenagers

Our Premier Checking Account is our best checking account to help start their financial journey early.

Instant Issue Debit Cards

Your teen will receive their Visa® Debit Card immediately at any branch location for faster access to their account.

Watch Their Money Grow

Your teen's Premier Checking Account pays monthly dividends on balances of $25 or more. 

Open Your Teen Checking Account
in 3 Easy Steps

Kid and teen playing basketball

  1. Identification

    You'll need a school ID or driver's license. A opening deposit is recommended but not required. Parent/joint owner is not required.

  2. Visit a Branch

    Stop into a branch location or schedule an appointment to fill out the final paperwork.

  3. Receive Your Debit Card

    Our instant issue Visa® Debit Card service will make it easier than ever for your teen to access their account. 

Get Started