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Youth Checking at Selfreliance FCU

Selfreliance FCU starts young.

A Youth Checking Account & Debit Card for Ages 6–17

Give them the tools to start building financial independence with their own debit card and Digital Banking access, while you stay connected.

Kids buying ice cream

What Kids & Teens Get

  • Their own debit cardfor eligible purchases in-store and online
  • Their own Digital Banking loginto check balances and review transactions
  • Age-based spending limitsdesigned for different stages
Girl buying a book in a bookstore and paying by phone

What Parents Get

  • Account VisibilitySee balances and transaction activity.
  • Transaction AlertsStay informed through available app, text, or email notifications.
  • Card ControlsLock the card if it is lost or misplaced.
  • Easy Money TransfersMove money into the Youth Account through available transfer options.
Father and son using a computer together

Designed to Grow With Them

The purchase and ATM withdrawal limits below are per day.

Ages 6–12
$300
Daily purchase limit
$100Daily ATM withdrawal limit
Ages 13–15
$500
Daily purchase limit
$100Daily ATM withdrawal limit
Ages 16–17
$1,000
Daily purchase limit
$100Daily ATM withdrawal limit

Youth Accounts are designed to help limit financial risk. Overdraft privilege, courtesy pay, wire transfers, Zelle® and Bill Pay are not available to members under 18.

85,000+ Fee-Free ATMs Nationwide

They can access cash at participating fee-free ATMs when they need it.

Find ATMs
Selfreliance FCU ATM locator showing participating fee-free ATM locations

Real-Life Money Lessons

With their own account, kids and teens can practice:

Checking their balance before spending
Seeing where their money goes
Making everyday spending decisions
Building good money habits before adulthood

Common Questions

Who is eligible for a Youth Checking Account?

Youth Checking is available for members ages 6–17.

Does my child get their own Digital Banking login?

Yes. Each Youth Account holder can enroll in Digital Banking and access their account with their own login.

Can I see my child’s account activity?

Yes. Parents or guardians can stay connected to the account and view balances and transaction activity.

Are there monthly fees or minimum balance requirements?

There is no monthly service fee and no minimum balance requirement. A $5 minimum opening deposit is required to be held in the member’s savings account.

What happens when my child turns 18?

At age 18, the debit card limit increases to $5000 for purchases and $1000 for withdrawals. Additional banking features may become available, including overdraft privilege, courtesy pay, wire transfers, Zelle® and Bill Pay, subject to eligibility and applicable terms.

How do I open a Youth Checking Account?

Visit a Selfreliance FCU branch with your child. Bring identification and proof of address for the parent or guardian and child. A $5 minimum opening deposit is required to be held in the member’s savings account.

Every journey starts somewhere. Start yours with Selfreliance FCU.

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