A free, no overdraft account to help your teen stay in check...and earn cash!

Key Features

  • Cash Rewards
  • No Overdrafts
  • Free Debit Card
  • For members 13-20 years of age
  • $15 minimum deposit to open ($5.00 savings/$10.00 checking)
  • Debit card management with SecurLOCK Equip app
  • Four debit card options to choose from
  • Earn $0.25 for every $10 purchase (max. reward of $5)
  • No overdrafts
  • No minimum balance requirement
  • No monthly account or maintenance fees
  • Free digital banking services, including:
    • Free online banking
    • Free mobile banking with mobile deposit
    • Free eStatements



*A minimum deposit of $15.00 is required ($5.00 savings/$10.00 checking). Student Debit account is for members 13-20 years of age only. Student Debit account is a free account (no minimum balance requirement, no monthly account or maintenance fees). Should a joint owner be required, the responsible party must be a USEFCU member in good standing. To manage debit card, visit Google Play or the App Store for a free download of SecurLOCK Equip app. Additional conditions may apply. Cash rewards are earned at a rate of $0.25 per $10.00 purchase during the monthly statement cycle with a maximum monthly earned reward of $5.00. Monthly rewards will post within the first week of the following month. USEFCU is federally insured by NCUA.