Teen Checking Accounts
Giving teens cashflow freedom with confidence.
MONTHLY-FEE FREE TEEN CHECKING ACCOUNT
You’ve got the wheel. We’ve got your back.
Using a checking account introduces you to independently managing money and teaches you the skills of saving & spending responsibility. That’s why our credit union Teen Checking account goes above and beyond to give you hands-on access to adult-level features from our CloseEnuff™ Checking—made for teens. So you can experience the whole wide world of cashflow with confidence.
Because You Are Enuff™, we’re here for you.
As a for-impact credit union, we’re dedicated to igniting your success first. Which means putting purpose over profit to help you learn how to make the most of your money for the good of your future… and the state of Michigan. Learn more about our for-impact purpose here.
Teen Checking Benefits
Teen in name only
We may call it “teen,” but our Teen Checking Account gives you benefits beyond the norm.
Digital Wallet Connected
You can add your free debit card to your digital wallet for tap-to-pay right from your phone or device. It can also be used on services like Venmo, Apple Pay, G Pay, and more. Plus, if you lose your card it can be replaced digitally—ASAP!
Credit Score Tracking
From someday buying a house or a car to so much more, your credit score is key to your financial future. Start reviewing and learning about it right from the digital banking app.
Bennys Rewards
Unlike the average debit card, your CFCU debit card does more… Like earn gift cards! Stack up points toward awesome gift cards by making debit card purchases and completing easy challenges like, “use your debit card 10 times this month!”
Make It Your Own
Express yourself through your free debit card. Choose from artistic designs by Plymouth’s Tony Roko, Michigan photos by NINE Design’s Keith & Evan, or just show off your Belonging with our “Daisy” bear logo.
Teen Checking Details
The good stuff
Get started controlling your cashflow with adult-strength features made for teens.
For ages 13-18, and always monthly-fee free!
- No monthly fees
- No maintenance fees to keep open
- No minimum balance requirements
- Free Mastercard® debit card with signup
- Full digital banking support
- Earn gift cards with Bennys Rewards
- Can be opened at age 13 with or without a joint owner, like your parents
- Mobile Deposit at age 16
- Automatically converts to full-featured CloseEnuff™ checking at age 24 or upon request starting at 18+
- Federally Insured by NCUA up to $250,000 with additional coverage up to $100,000 from ESI Corporation
- Just $5 to open!
Debit Card Rewards
Reward yourself with Bennys!
Debit card perks?! Yup, that’s a perk of your free debit card from CFCU! Enrolled members automatically receive 1 point for every $100 spent, with even more points stacked on top for completing monthly challenges. Turn your points into gift cards for even more benefits per buy with CFCU Bennys!
Grow Your Change Round Up Savings
Boost your savings with every buy
Save automatically with everyday purchases on a Community Financial Debit Card. We’ll round up the amount of daily transactions to the nearest whole dollar and transfer that change from your CloseEnuff™ checking account to your chosen Grow Your Change savings account!
Local Charity Donations
Debit that does good
Beauty isn’t just plastic deep. In fact, your debit card can make donations with our money! Pick one of our local partner organizations, and we’ll donate one cent every single time you swipe. That’s more change in our communities—and in your pocket. To choose or change the organization linked to your card, call our Care Center at (877) 937-2328.
Strengthening communities across Michigan
Community Financial’s Relentless Care Foundation builds on our legacy of giving by working to tackle Michigan’s largest barrier to economic prosperity: housing affordability. Alongside our grant partners, we’re funding what makes housing attainable for more Michiganders—all while strengthening our workforce and fostering community mobility.
Strengthening communities across Michigan
Community Financial’s Relentless Care Foundation builds on our legacy of giving by working to tackle Michigan’s largest barrier to economic prosperity: housing affordability. Alongside our grant partners, we’re funding what makes housing attainable for more Michiganders—all while strengthening our workforce and fostering community mobility.
Financial Freedom Starts Here
Open your teen checking account
All it takes is $5 bucks and 5 minutes to get started.
Contact Us
Need a hand getting set up?
All good. We’re here to help!
CFCU Mastercard Debit Card
CFCU Mastercard Debit Card
Your debit card opens doors
Free with signup, your CFCU Mastercard® Debit Card gives you the freedom to get the most out of your Teen Checking Account. It’s the unlock feature that enables tap-to-pay, digital wallet capability, Grow Your Change round up savings, and Bennys Rewards! Add in your choice of card art, and you’re ready to roll.
Teen Savings Account
Get ahead of the savings curve
Saving now means more freedom later. With our Teen Savings Account, you’re setting yourself up for big possibilities—whether it’s your first car, college, or something even bigger. Start building smart habits today and get ahead of the curve!
Ignite your Impossible Dreams
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Kids, Teen & Young Adult Services
Ope! Not a teen?
All good. We have member-centered accounts and services built for every age and stage!
Frequently Asked Questions
Teen Checking FAQ
Fraud Alerts
We’re dedicated to keeping our members and their money protected, so all Community Financial Mastercard® debit and credit cards are automatically enrolled in receiving fraud alerts.
If we need to contact you, we will NEVER ask for personal, account, or card information. This includes card numbers, PINs, security codes, login information, etc. Please do not give this information out to anyone.
Trust your gut. If you’re ever unsure about a phone call, please hang up and call us directly at (877) 937-2328 to ensure that you’re speaking with a real Community Financial team member. Avoid clicking on links in text messages and emails if you do not recognize the sender’s information.
What We Do
Making Impossible Dreams come true on the daily.
Wherever you are on your financial journey, you Belong here.
