Teen Checking Accounts

We welcome financial growth spurts.

Open a Teen Account Not a member yet? Join today.

Empowering Youth to Start Making Waves Of Their Own

Members aged 13 to 17 can open their own checking account, use a parent-approved debit card, and access a variety of digital financial services.

Digital Banking

The best digital banking tools for tech-savvy teens.

Your teen can check balances, pay bills, and set up account alerts on their favorite devices and on their own schedule.

Debit Card

Be by their side wherever they roam.

Grant your teen access to over 30,000 Surcharge-Free ATMs with their own debit card.

Digital Wallet Capabilities

Break free of boundaries.

Enjoy easy integration in Apple Pay, Google Pay & Samsung Pay.

No Minimums

Remove all barriers to entry.

With no minimum balance and no monthly fees, a Teen Checking Account is a golden choice for your up-and-coming financial superstar.

Free Convenience

Your choice of free eStatements or free mailed statements, and no charge for transactions completed in our branches through our Contact Center or CO-OP Shared Branches.

All Of Your Burning Questions Answered

The age range is from 13-17.

Yes. A parent or guardian must be on the account with the teen.

Yes. Since parents are on the account, they can move money anytime they want. We would encourage kids to keep their “save it” money in their savings account and “spend it” money in the checking account. So, if parents don’t want kids to spend more than $X, they can transfer it to savings. The teen debit card also has limits to help prevent any spending issues.

Report lost or stolen debit cards immediately to 866-559-4806

We encourage the teens to load the card into Apple Pay or Google Pay so they don’t have to carry a card with them at all. We know they will be carrying their phones and won’t lose those. If they lose a debit card, we can shut it down and sometimes recover funds. We encourage your teen to call us if they lose their debit card. Card replacement fees apply.

Lost Debit Card Process: We will deactivate your debit card. The next business day, we will need to speak to you to verify recent transactions. You can visit your nearest RadiFi branch to have a new debit card issued or upon your request, we can mail a new debit card to you that you would receive within 7-10 business days.

Yes! Alerts can be set up to go to both the teen AND the parent. We are happy to you set up any alerts!

Yes, it will. Teens will not need to come in and open a different account when they turn 18.

Not finding what you’re looking for? See all our FAQs.

There’s Even More To Check Out…

Youth Savings Accounts

A stress-free future starts with a strong foundation. Our Youth Savings Accounts build both balances and good habits.

Discover Youth Savings

Used Auto Loans

Rev up for savings.

Hit the road with competitive and convenient financing for your next used auto purchase.

Check Out Used Auto Loans

RadiFi Resources

Explore our blog for the latest credit union news, practical advice, and financial tips.

Tips for protecting yourself from fraud

Impersonation scams are a growing threat that target everyday banking customers by exploiting trust and urgency. These scams occur when fraudsters pose as trusted representatives — often appearing to be from your credit union — through phone calls (vishing), text messages (smishing), or emails (phishing) to trick you into sharing sensitive personal or financial information. Read More

RadiFi Proudly Sponsors Jacksonville University Charter Day 2026

RadiFi Credit Union proudly sponsors Jacksonville University Charter Day on April 17, 2026, volunteering alongside students and donating over 600 hats to support a day of service across the Jacksonville community. Read More

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RadiFi Credit Union is proud to sponsor the Riverside Avondale Home Tour in Jacksonville. Read More

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Open A Teen Checking Account Today

To open a teen checking account, please bring your social security number, a school ID or other form of identification to any RadiFi branch.

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