YOUTH CHECKING
For ages 15-22. Foster financial independence in your child by helping them open a checking account all their own – even without a joint member! Our Youth Checking comes with plenty of safeguards to help kids learn responsible money management: $200 daily limit on all POS and ATM card transactions; overdraft protection from Share Savings account; and no courtesy pay or Opt In option for debit card. Check out all the features and benefits below!
Youth Checking accounts automatically expire on the holder’s 22nd birthday, but can easily be converted into one of our standard checking accounts at that time.
| Requirements | Fees | Benefits |
| NONE | NONE | Free EStatements |
| Free Online & Mobile Banking | ||
| FREE Bill Pay | ||
| Free Checks | ||
| Unlimited Check Writing | ||
| VISA® ExpressCheck Card w/ Rewards1 |
1 $200 DAILY LIMIT FOR YOUTH
YOUTH PROGRAMS
M3 Money Club, through our partnership with BALANCE. We’re dedicated to helping raise the next generation of money-smart members. Through the M3 Money Club, kids ages 7 to 12 will have access to an interactive website full of kid-friendly financial content, quizzes, comics and more!
Your kids will join superheroes Cash and Violet in adventures to stop the Evil Dr. Spendit. As M3 cadets, they’ll learn valuable skills needed to make smart money decisions. And they’ll have tons of fun doing it. There’s even a section for parents with tips on teaching children about money.
FECA membership features for up to age 12:
- Share Certificate rate bonus based on member’s age
Youth Bonus = add your age at account opening in basis points to the dividend rate! (example, if you are 11 years old and the rate is .35%, then .35+.11=.46%) Available to members under 22 years old.
- Access to shared branching and mobile apps so parents can easily help manage accounts
- Club Accounts to save for gift giving
Elements of Money, through our partnership with BALANCE. You want to help your teen grow into a financially responsible adult – we do too! Elements of Money is an interactive website designed especially for teens to help them better understand the many options they have as financial consumers. Content resources include monthly podcasts, financial articles, videos, social media, apps, education modules, and quizzes.
FECA membership features for ages 13-22:
- A no minimum balance, no monthly fee youth checking account
- One free box of checks per year
- ATM card for ages 13-14
- Debit card with no annual fee for ages 15 and up
- Share Certificate rate bonus based on member’s age
Youth Bonus = add your age at account opening in basis points to the dividend rate! (example, if you are 13 years old and the rate is .35%, then .35+.13=.48%) Available to members under 22 years old.