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OE Federal Credit Union

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A Safe and Educational Banking Experience.

Give your teens a head start on financial independence with our teen checking account. It's a safe and educational way for them to learn about money management.

Benefits/Features

low deposit

Low Opening Deposit

Open an account for your teen with just $20.

no fees

No Monthly Fee

There are no monthly maintenence fees associated with your teen's checking.

no balance

No Minimum Balance

No minimum balance is required to keep your account open and fee-free.

overdraft

Overdraft Protection

Link additional accounts to cover the amount of a transaction when Checking funds aren't available.

courtesy pay

Courtesy Pay

We'll cover the transaction, giving you or your teen time to put funds back into the account.

visa

Visa Debit Card

Their debit card is backed by Visa, giving them additional security measures.

atm

60,000+ ATMs Nationwide

No minimum balance is required to keep your account open and fee-free.

online banking

Online Banking

Online Banking access is available for you and your teen so you can monitor their spending as needed.

 

 

Teen Checking Rates

View All Rates Apply for a Loan Make a Payment

How much should I save to reach my goal?

What are you saving for: a computer, car, boat, summer home, down payment? Use this calculator to determine what you need to save on a regular basis to have the funds ready when needed.

Savings

Assumptions

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Checking Accounts
Effective Date: MINIMUM INITIAL DEPOSIT: $20
Account TypeStandard Accounts (APY)Min. to Earn DividendCompounding Period
Checking 0.03% $100 Monthly
Checking 0.05% $2,500 Monthly

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.

Information accurate as of April 1, 2025.

Teen Checking Account Questions

Will my teen receive a debit card?
Do you offer overdraft protection?

Is there a minimum balance my teen must keep in their account?

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