Young Adult Checking Account

Our free Young Adult Checking Account is for ages 14 - 24 and offers convenient access, value-added benefits, and a variety of tools to build financial wellness.

  • No minimum amount to open
  • No minimum balance requirement
  • No monthly maintenance fees
  • Easy account access through Online Banking and our Mobile App
  • Deposit checks 24/7 with Mobile Check Deposit1
  • Online and Mobile Bill Pay
  • Text alerts to help you stay in control of your finances
  • Debit card controls to turn your card off and on
  • Parents can easily transfer funds online
  • Over 5,000 shared branches nationwide
  • Access to over 30,000 surcharge-free ATMs
  • Eight free foreign (Non-Market USA) ATM transactions per month2
  • Overdraft Protection Options

You can also shop with ease and security by adding your debit card to your mobile wallet with Apple Pay or Google Pay.

Choose between Regular Checking and our High-Rate VIP Checking.

Regular Checking Rates
APY Balance APY Dividends Compounded/Credited
$1,000.00 0.01% Monthly/Monthly
Rate Disclosures   View All Rates

Members under age 18 will need to have a parent or guardian on the account as well.

Resources Available for Your Financial Success

A variety of educational materials and information is available through KOFE (Knowledge of Financial Education) to help you make smart financial decisions. Resources include interactive courses, podcasts, webinars, games and more.

Our Elements of Money program offers a variety of educational resources specially for members ages 13-17 to help you on your path toward financial success. You can also enter quarterly social media contests for a chance to win prizes!

Free Checking

Eight (8) free monthly transactions at CO-OP, Alliance One, Plus® and STAR® ATMs

Mobile Check Deposit


  1. Membership must be established for at least 90 days; checking account must be open for at least 30 days; account must be in good standing; primary account holder must be at least 14 years of age. Additional restrictions apply. See Mobile Deposit Terms & Conditions for details.

  2. $1.00 fee after eight transactions per month. ATM surcharges may apply.