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(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm
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or send us a message from inside online banking.
Youth Checking
A teen checking account that parents will love.
A Smart First Step Toward Financial Independence
Learning how to manage money starts with everyday experiences. A Youth Checking account gives kids and teens a safe place to spend, save, and keep track of their money while building habits that can last a lifetime. Whether they are receiving allowance, earning money from a part time job, or saving for something special, they can practice using a checking account in a way that is simple and easy to understand.
Each account includes a Visa debit card that can be used for purchases anywhere Visa is accepted. Every purchase is recorded, making it easy to see where money is going. Parents can also stay involved by helping monitor spending and talking through financial decisions together. Instead of wondering where cash was spent, families have a clear record of every transaction. Kids and teens can even choose from a variety of debit card designs to make their card feel personal. It is a practical way to introduce responsible spending while giving young account holders the freedom to make everyday purchases.
You’ve got questions.
We’ve got answers.
(801) 223-8188 | [email protected]
or send us a message from within online banking.
Available M–F 8am–6pm, and Sat. 9am–2pm,
Visa Debit Card
Make purchases anywhere Visa is accepted while learning how to manage money responsibly.
Track Every Purchase
Every transaction is recorded, making it easy for parents and teens to review spending together.
Choose a Card Design
Pick from a variety of debit card designs to create a card that feels unique and personal.
Build Good Money Habits One Purchase at a Time
Money lessons are easier to understand when they happen in real life. A Youth Checking account helps kids and teens practice budgeting, tracking purchases, and making thoughtful spending decisions every day. These small experiences help build financial skills that become more valuable over time.
Parents stay connected throughout the process by reviewing account activity and having conversations about saving, spending, and planning ahead. Young account holders gain experience managing their own money while knowing guidance is always close by. As they grow older and take on more responsibility, they already have a strong foundation built through everyday banking. A Youth Checking account creates opportunities to learn practical money skills that can help prepare them for future goals, from getting their first job to managing expenses on their own.
Frequently Asked Questions
What is the minimum age to open a UCCU Youth Checking account?
We understand the importance of starting financial education early. That’s why we allow children as young at any age to open a UCCU Youth Checking account with the help and approval of a parent or legal guardian. By introducing banking concepts at a young age, children can begin developing essential money management skills that will serve them well throughout their lives. Our friendly staff is dedicated to making the account opening process easy and enjoyable for both children and parents.
How is parental involvement handled for a UCCU Youth Checking account?
We believe parental guidance is crucial when it comes to teaching children about responsible financial habits. For this reason, a parent or legal guardian must be a joint owner on the UCCU Youth Checking account and have full access to monitor and guide their child’s financial activity. This joint ownership allows parents to oversee transactions, set limits, and have open conversations about spending, saving, and budgeting. Our online and mobile banking platforms provide parents with real-time account access and alerts, making it easy to stay informed and involved in their child’s financial journey.
Are there any monthly fees or minimum balance requirements for a UCCU Youth Checking account?
We want to encourage young savers and remove barriers to financial literacy. That’s why our Youth Checking accounts come with no monthly maintenance fees and no minimum balance requirements. We believe that children should be able to focus on learning money management skills without worrying about excessive fees or large account minimums. This account is designed to be an affordable and accessible way for children to gain hands-on experience with banking.
What debit card and ATM access does a UCCU Youth Checking account provide?
When opening a UCCU Youth Checking account, each child will receive their very own personalized debit card. This card can be used for making purchases, withdrawing cash from ATMs, and learning the responsible use of debit transactions. However, we understand the need for parental control and oversight. That’s why our online and mobile banking platforms allow parents to set spending limits, restrict certain types of transactions, and monitor account activity in real-time. This way, children can enjoy the freedom of managing their own finances while parents can ensure appropriate guardrails are in place.
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