Teen Checking

Teen Checking

Teach your teen the basics of financial responsibility.

Open an Account

APY Effective 11/1/2018*




Early Saver



Early Saver

Up to $500

See Account Disclosure for details

Teaching Dollars and Sense

Good habits start early. At BECU, we believe financial education is the key to developing good money management skills. We provide a great assortment of tools and resources to help you work with your teen to build smart habits and learn financial responsibility. Learn more about getting your teen started with BECU.

Starting Early

Your child can become a BECU member simply by opening an Early Saver Savings account,* and the account features are hard to beat. 

  • Earn 6.17%* APY on the first $500
  • No minimum balance requirement
  • No monthly fee
  • Text and email account alerts
  • Account access through free Online Banking (for ages 13+), free telephone banking, ATMs, or at a BECU Neighborhood Financial Center
  • At age 18, account can easily be converted to a Member Advantage® account, earning a premium rate on both checking and savings

Free checking with lots of great features. 

  • No monthly fee
  • Free Online Banking and Mobile Banking
  • Free eStatements
  • Debit card with fraud monitoring protection 
  • Access to over 30,000 surcharge free ATMs
  • At age 18, account can easily be converted to a Member Advantage® account, earning a premium rate on both checking and savings

Account Access from Anywhere

Thanks to Online Banking, our Mobile App and an expanded network of ATMs, it's easier than ever to access your money with BECU. Discover the ways you can access your account from anywhere.

Additional Resources

Banking shouldn't leave anything to the imagination. Here are handy resources to answer common questions you might have.

The Next Big Talk

BECU wants to make it easier for parents to have the next big talk about money management with their teens and help inspire financially independent adults. Teach your teen the importance of how to spend, save, borrow and plan. Start talking with your teen.

Easy to Use Calculators


  • Better Budgeting  – Contains budgeting tips, such as starting a spending journal, creating an emergency fund, and thinking about needs versus wants. 
  • Money Smart Teens  – Your teenager is new at this. Help them by working together on a household budget, teach how to shop smart, and set realistic goals. 
  • Allowance Goes Digital  – Use technology to your advantage. Read this article to help your young one with the philosophy of “share, save, and spend.” 
  • 5 Banking Tips for Teens and Parents  – These five steps highlight when to give your teen more financial freedoms, and calls out pitfalls before you find yourself trapped.
  • Financial Independence for Teens  – Here's are a quick rundown of a few indicators that may help identify if your teen is ready.
  • What to Expect – Congratulations! You've taken steps to start your teen off on the right financial foot. Learn what to expect when your teen begins using their checking account with BECU.

*APY = Annual Percentage Yield; rates subject to change, fees may reduce earnings. An Early Saver account is required to establish membership. Balances $500.01 and above receive a rate of .10% APY. See Account Disclosure for details.

 **Must have a parent or legal guardian on account. If you are under the age of 13, you must enroll in person or by mail.  
 To open a Checking Account, you must establish membership by opening a Member Share Savings, Member Advantage Savings, or if under 18 years old, an Early Saver Account.

Online Banking and eStatements are not available to anyone under 13 years old, eligibility and benefits subject to change.