Teen Checking: Your Teen's First Step to Financial Independence
Empower Your Teen with Financial Confidence:
Our Teen Checking Account
Designed to help your teen learn how to manage their finances with confidence, our Teen Checking Account empowers them to take control of their money. With a debit card, they can make purchases and withdraw cash while developing essential budgeting skills. This hands-on experience fosters financial literacy and prepares them for a smooth transition to adulthood at age 18.
Disclosure: In-branch transactions must be done at our ETMs to qualify for Teen Checking. *APY = Annual Percentage Yield. Teen Checking requires at least 10 signature-based debit card transactions during the month, enrollment in eStatements, and at least one login to online or mobile banking. 1% APY is on balances up to $10K. Maximum monthly reward amount, including ATM refunds, is $15. Cash back cap is $15 monthly. Teen Checking does not include check writing, bill pay, or overdraft services. PIN-based debit card transactions are not included toward your debit card usage for the month. Rewards will be calculated based on your monthly activity and posted at month-end.
BENEFITS OF OUR TEEN CHECKING ACCOUNT
Financial Independence
Teaches teens how to manage money with a debit card, helping them learn budgeting and spending habits.
No Fees
Enjoys the advantage of no monthly service fees, allowing for stress-free banking.*
Rewards Program
Access to exclusive rewards like online banking, max dividends, cash back (cap $15 monthly), ATM refunds, and so much more!
Seamless Transition
Automatically qualifies for full banking services at 18, making the transition to adult banking easy and convenient.
What's Included:
Rewards Program: Enjoy perks like:
1% APY* & 1% Cashback with 10 or more Signature based Debit or Credit Card transactions
Online or mobile banking and eStatements
Max dividends, cash back (cap $15 monthly) and ATM refunds up to $180 annually, $15 monthly
Debit Card: Convenient access for purchases and cash withdrawals.
No Monthly Fees: Enjoy a fee-free experience with no service charges.*
Online & Mobile Banking: Easy access to account balances, transaction history, and management tools.
Parental Oversight: Parent or guardian must be a joint account holder, promoting guidance and learning.
Seamless Transition to Adult Services: Automatically qualify for full banking services at age 18, including checks and bill pay.
SAFE AND SOUND. SECURE BANKING FOR TEENS.
Secure Transactions: All debit card transactions are protected by advanced encryption technology, ensuring safety during purchases.
Parental Oversight: Parents or guardians can monitor account activity, providing an added layer of security and guidance.
Fraud Protection: Enjoy peace of mind with zero liability for unauthorized transactions, protecting your teen’s finances.
Real-Time Alerts: Set up instant notifications for transactions, helping both teens and parents stay informed about account activity.
ATM Safety Features: Debit cards can be used at secure ATMs, and transactions can be tracked through online banking.
Education on Security: Teens receive information on safe banking practices, including how to recognize phishing scams and secure their personal information.
Why Banking with Tidemark Hits Different
Teen checking
Frequently Asked Questions
Disclosure: In-branch transactions must be done at our ETMs to qualify for Teen Checking. *APY = Annual Percentage Yield. Teen Checking requires at least 10 signature-based debit card transactions during the month, enrollment in eStatements, and at least one login to online or mobile banking. 1% APY is on balances up to $10K. Maximum monthly reward amount, including ATM refunds, is $15. Cash back cap is $15 monthly. Teen Checking does not include check writing, bill pay, or overdraft services. PIN-based debit card transactions are not included toward your debit card usage for the month. Rewards will be calculated based on your monthly activity and posted at month-end.
STEP UP YOUR MONEY GAME
OPEN AN ACCOUNT
Plus, You Get Access to Our Member Premium Benefits
You Become a Member-Owner
We don't exist to enhance the wealth of our shareholders, we are member-owned. As a not-for-profit organization, we use our profits to increase Member benefits and support community causes.
Your Money is Insured & Protected
Instead of being covered under FDIC, your deposits are covered under the National Credit Union Administration (NCUA), which insures deposits up to $250,000, the same amount as the FDIC. It’s a different name but the same function.
