U First Teen Checking

We are putting you and your teen first with our teen checking account. This account keeps your teen on the go with a great mobile app, 2 Oops passes a year, no minimum balance, and much more.

Open your checking account today!

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UCU is here to advance you and your family's financial wellbeing in every stage of life and we always strive to put our members first. Whether your teen is opening their first bank account or starting their first job, we want to be there for both of you on every step of the way. That is why we have created our first teen checking account, U First. This checking account is for UCU members 13 - 17 years old and offers the following awesome benefits:

No minimum balance requirement
No monthly service fees
2 Oops Passes per year
Free online financial education with U Financially Fit Teen
Easy to set up direct deposit
Large surcharge-free ATM network with UCU and SURF ATMs

U First has great benefits for teens, parents and guardians alike.

Features that parents & guardians will appreciate:

Card controls
Purchase limits of $250/day
Monitoring account through your own UCU online account or mobile app as a joint account holder
Easily transfer money to your teen at the click of a button

Find the right account for you, here at UCU! Get started today.

U First Checking Education

We’ve put together some guidelines that can help your teen manage any account, but also included tips specifically for their U First Checking Account!

Make a Plan to Spend Wisely

Discuss wants vs. needs with your teen.
Decide on a weekly spending limit. Help your teen create a budget to remain under the limit.
Review the account activity together each week and make adjustments to ensure the budget is being followed.
Set a monthly savings goal of at least 10% of the teen’s earnings for emergencies and large purchases. If your teen has no financial obligations, encourage them to save at least 50% of their earnings.
Remind your teen that the spending limits on minor cards as well as ATM withdrawal limits are $250 a day.
Review the account fees that your teen will be charged for using foreign (non-UCU) ATMs along with the costs and penalties for overdrawing their account.

Track Spending

Have your teen download the UCU mobile app on their phone for up-to-date account information.
Work with your teen to keep a check register, either on paper or in an app, in order to track where their money is going and will go in the future.
Keep receipts for at least two weeks to ensure purchases are charged correctly.
Set up account balance notifications online as a reminder that the teen is approaching their spending limits. These alerts should go to the parent and the teen by text and/or email.

Discuss Account Security

Make sure your teen knows the importance of reporting a lost or stolen card to the credit union IMMEDIATELY by calling UCU or disabling the card on their own in the mobile app.
Remind your teen to never select a PIN that someone can easily figure out (such as a birthdate), always keep their PIN private, and never give their account password or information out.
Discuss the dangers of online purchases and how to protect their account information from scammers. We recommend a parent being present every time an online purchase is made.
Let your teen know that UCU has 24/7 card monitoring, and that they may be contacted by email, text, and/or phone to confirm or deny that they made a purchase. It’s important that they only answer yes or no, and never accidentally give a phishing company pretending to call about fraud, locked cards, or other card related issues any card or personal information.

U Financially Fit Teen

U Financially Fit Teen features three engaging playlists of content, each made up of three to five 10-minute modules. The modules are developed for 7th-12th grade students and feature timely & relevant storylines, diverse characters, and fun interactions to engage students around critical financial topics. Click here to get started.

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U First Teen Checking

U First has great benefits for teens, parents and guardians alike.

U First Checking Education

U Financially Fit Teen

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