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!


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!

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.