Fast Track Teen Checking
Give your teen the freedom to manage their money—while you keep the peace of mind. With instant money transfers, you can send cash in a flash for birthdays, allowance, or babysitting pay. They’ll enjoy fee-free checking, no minimum balance, and a debit card they can use at over 30,000 CO-OP Network ATMs. You’ll stay in control with real-time alerts and the ability to lock or unlock their card in seconds. Plus, with zero overdraft, they’ll only spend what they have—making it a safe way to build smart budgeting habits. And because it’s backed by NCUA insurance, their money stays protected.
Account Highlights
- Easy money transfers – Send cash in seconds for birthdays, allowance, or babysitting pay
- Fee-free checking – No monthly fees or minimum balance
- Parental controls – Real-time alerts + instant card lock/unlock
- Nationwide access – 30,000+ fee-free CO-OP ATMs
- Zero overdraft – Safe, budget-friendly spending
- NCUA insured – Federally protected funds
Fast Track Teen Checking – Quick FAQs
Q: Who can open a Fast Track Teen Checking account?
A: Teens ages 13–17 can open an account with a parent or guardian as a joint owner.
Q: How do money transfers work?
A: Parents can send money instantly through Zelle® in our mobile or online banking—perfect for birthdays, allowance, or babysitting pay.
Q: Are there any monthly fees or minimum balance requirements?
A: No. The account is fee-free with no minimum balance.
Q: How do parental controls work?
A: Parents receive real-time transaction alerts and can lock or unlock the debit card instantly from our mobile app.
Q: Can my teen overdraft their account?
A: No. With zero overdraft, purchases are only approved if funds are available—teaching teens safe spending habits.
Q: Where can my teen use their debit card?
A: Anywhere debit cards are accepted, plus at 30,000+ fee-free CO-OP ATMs nationwide.
Q: Is the account safe?
A: Yes. All funds are federally insured by the NCUA up to allowable limits.