Youth & Teen Checking
A first checking account that turns everyday spending into a lifelong money lesson.
When can a teen open checking? NCACU offers youth and teen checking with a parent or guardian as joint owner, so young members get hands-on practice managing money with guardrails. No monthly fee, a debit card for eligible ages, and full access to the mobile app.
What you get
- No monthly maintenance fee
- Joint ownership with a parent or guardian
- Debit card available for eligible teens
- Real-time alerts and card controls for peace of mind
- Built-in path to financial literacy resources
Frequently Asked Questions
We offer accounts for children and teens with a parent or guardian as joint owner. Stop by any branch or contact us and we'll help you choose the right fit.
Yes. As joint owner, a parent or guardian has full visibility in online and mobile banking, plus the ability to set alerts and card controls.
Ready to become a member?
Opening an account online takes about ten minutes. Membership is open to anyone who lives, works, worships, or attends school in our Michigan communities.