Teen Checking

Built for Our Teens. Designed for Real Life.

At Five Star Credit Union, membership means more than just an account. It means guidance, protection, and long‑term financial confidence. Our Teen Checking Account is designed specifically for members ages 13–17, giving teens real-world money experience while providing parents peace of mind.

This account helps young members build smart financial habits early, without overdraft fees, hidden charges, or unnecessary risk.

Become a Member Today

Who Five Star Teen Checking Is For?

Teen Checking is a great fit for:

  • Five Star members ages 13–17
  • Families who want a safe, educational way for teens to learn money management
  • Teens ready for independence with built‑in safeguards
  • New members who may use approved non‑photo identification to open an account

Why Choose Teen Checking?

As a member‑owned credit union, Five Star is focused on education, not penalties. Teen Checking is designed to help young members learn by doing, while avoiding costly mistakes.

Benefits include:

  • Encourages financial independence before adulthood
  • Eliminates common “gotcha” fees
  • Keeps mistakes low‑risk and educational
  • Builds confidence with everyday spending and saving
  • Seamless transition to adult checking at age 18
  • Free Five Star Debit Card 
 

What’s Included?

Checking and Savings—Together

Teen Checking includes everything a teen needs to get started:

  • A Teen Checking Account with debit card access
  • A Main Savings Account earning 0.85% APY, so saving is built in from day one
  • Free online financial education. 
  • Optional school‑branded debit cards
 
Showcase your school spirit with one of Five Star's exclusive school-branded debit cards! Click here to check your school's availability. 
 

Debit Card with Built‑In Protection

Teens can spend confidently while parents enjoy peace of mind:

  • Debit card included for everyday purchases
  • No overdraft services until age 18
  • Transactions that would overdraw the account are declined
  • $500 daily point‑of‑sale limit for added protection

Smart Account Safeguards

To keep learning safe and simple, Teen Checking does not include:

  • Check writing
  • Bill Pay
  • Wire transfers
  • Overdraft or overdraft protection fees
  • Shared Branching access

These guardrails help prevent fraud, overspending, and costly mistakes while teens build good habits.

Mobile Banking for Today’s Teens

Teen members enjoy full access to Five Star’s mobile banking tools, including:

  • Account monitoring anytime, anywhere
  • Mobile check deposit with smart limits:
    • $250 daily deposit limit
    • Standard Reg CC check hold timelines
  • Member‑to‑member transfers up to $50

These limits are designed to protect teen members while still offering real‑world convenience.

ATM Access Without Extra Fees

  • 24/7 access to our Five Star ITMs
  • No Five Star in‑network ATM fees 
  • Third‑party ATM operator fees may apply

Ready to Get Started?

Visit your local Five Star financial center or apply online today!