Benefits of a Youth and Teens Checking Account
Skills
If your child has pocket money or a part-time job, they can start depositing, withdrawing, and saving.
Use Financial Tools
Your child can learn how to use eBanking, Mobile Banking, Mobile Wallet, Bill Pay, checks, and more.
Set Restrictions
Use our Card Manager App to set up debit card purchase alerts or restrict certain transactions.
Pay No Service Fees
Relax knowing there's no monthly fee, no minimum balance fee, and no overdraft transfer fee.
Youth Checking Account Features
It's never too early to start teaching your teen how to manage their money. With a free checking account at Radiant, teens 14 and older can open an account with a parent or legal guardian as a joint owner.
Here's what your child gets:
- Free contactless debit card
- Free eBanking and BillPay
- Free Mobile App and Mobile Deposit
- Free eStatements
- Digital Wallet compatible
- Early Direct Deposit
- Nickel Back Rewards
- Unlimited check writing
- No monthly account fee
- No overdraft transfer fee
- No minimum balance requirement
Plus, you can download the Radiant Card Manager App and set up debit card purchase alerts, restrict transactions, and more. Start your teens' financial journey today!
Here's How To Open a Youth and Teen Checking Account
Step
1 |
Join UsA parent or guardian needs to be joint on the youth's account. |
Step
2 |
Choose Free CheckingSelect Free Checking from the Available Products. |
Step
3 |
Start Learning!Set up any restrictions, with our card manager app then let your child learn how to use all the features and services we offer. |
Our members are talking
The representative assisted me was amazing. He explained everything in simple terms to ensure that I understood. I’m very happy to know that Radiant is no doubt my extended family!
Laura M.
FAQs About Youth Checking Accounts from Radiant Credit Union
If your child is 14 and older, they can open our special account for teens. A parent or legal guardian needs to be on the account as a joint owner. It's an excellent way for your child to start learning about personal finances. Then when they turn 18, the account will roll over into a regular Free Checking Account, and you don't need to co-sign any longer.
Your child can also open a savings account to help them achieve their savings goals.
Your child can access all the same account benefits as adults, but you're able to set restrictions on certain transactions if you prefer. Kids can easily learn about money with a teen checking account and enjoy these features:
- No monthly account fee, monthly service fee, or monthly maintenance fee
- No overdraft transfer fee if you set up transfers from a savings account to cover their payments
- No minimum balance requirement
- Free contactless debit card so they can learn to tap and go or make ATM withdrawals
- Free eBanking and Mobile App so they can manage their account anytime, anywhere
- Free Bill Pay so your child can learn to pay bills, like their mobile phone account
- Free Mobile Deposit so your child can learn how to deposit a check without visiting a branch
- Free eStatements so you can both check their monthly transactions and account balance
- Free Card Manager App to set up alerts, restrictions, travel notifications, and more
- Many Digital Banking Services are free of charge, like transferring money between accounts
- Access to thousands of in-network ATMs
Note that some standard banking account fees may apply, like if a check is returned unpaid. You may also need to pay an overdraft fee if you don't choose to set up a savings account for automatic, free overdraft transfers. You can see our terms and conditions for full details.
Every time your child uses their VISA Debit Card to make a purchase with their signature, Radiant Credit Union automatically pays 5 cents into your Youth Account.
- We will automatically deposit nickels into your Youth Checking Account each business day.
- Account holders don't need to sign up – enrollment is automatic when you open an account.
- There's no minimum purchase amount.
To deposit a check using your phone, simply open the Radiant Mobile App and follow these steps:
- Choose deposits
- Select the account for the check funds to enter
- Enter the amount of the check
- Take a picture of the front and back (endorsed) of the check
- Press submit
As a digital native, your child will likely love Digital Wallet! It's a service that lets you easily pay for things online or in-store using your phone, tablet, smartwatch, or another device. To get started, choose your preferred mobile payment service, then enter your debit card or credit card details, or scan your card.
Once you've verified your card, you can use your Digital Wallet instead of carrying around your physical wallet. It's fast and secure.
Radiant Credit Union supports these Digital Wallet services:
- Apple Pay
- Google Pay
- Samsung Pay
- Fitbit Pay
- Garmin Pay
