Teen Accounts

Give them room to learn while you’re still close enough to help.

Your teen will eventually need to manage money on their own. Teen Checking gives them a place to practice now—with you there to answer questions, spot problems and help them learn from everyday decisions.

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Real experience is a good teacher.

Talking about money matters. But some lessons only make sense when your teen begins using their own account.

Teen Checking gives them the tools to make purchases, check their balance and see where their money goes.

It includes:

  • No monthly fee

  • No minimum balance

  • No direct deposit requirement

  • A free VISA® debit card

  • Online and mobile banking

  • Apple Pay, Google Pay and Samsung Pay

The account is available beginning at age 14. Teens ages 14–17 need an adult to be a joint owner.

Help them build good habits before the stakes get higher.

With their own account, your teen can practice how to:

  • Check a balance before spending

  • Keep track of debit-card purchases

  • Plan for something they want

  • Set money aside instead of spending everything

  • Recognize subscriptions and repeat charges

  • Watch for purchases they don’t recognize

  • Understand how quickly small purchases add up

They may make mistakes. That’s part of learning. The difference is that you’re still nearby to help them understand what happened and what to do differently next time.

Independence without leaving them on their own.

Teen Checking gives your teen real responsibility while keeping an adult involved.

As a joint owner, you can see the account activity, talk through spending decisions and help when something doesn’t look right.

The goal isn’t to monitor every purchase forever. It’s to give your teen enough room to practice while support is still close by.

What happens next?

Open the account together.

Teens ages 14–17 will open the account with an adult joint owner. We’ll tell you what each person needs to bring.

Set up the tools.

Your teen will receive a VISA® debit card and access to online and mobile banking.

Let them begin—with you in their corner.

Encourage them to check their balance, review purchases and ask questions. Use what happens in the account to have real conversations about spending, saving and planning.

Let’s Get Started

Teen Checking Questions

  • Teen Checking is available beginning at age 14. Teens ages 14–17 must have an adult listed as a joint owner.

  • No. Teen Checking does not have a monthly fee.

  • No. There is no minimum balance requirement.

  • No. Direct deposit is not required.

  • Yes. Your teen will receive a free VISA® debit card for everyday purchases.

  • Yes. Teen Checking supports Apple Pay, Google Pay and Samsung Pay.

  • Yes. As the parent or guardian and a joint owner, you can see account activity and help your teen understand their spending.

  • Yes. Online and mobile access will allow your teen to check the balance and review account activity.

  • Contact Alcon Employees FCU as soon as possible. We’ll explain what to do next and help protect the account.

  • Contact us or visit the branch. We’ll explain what you and your teen need to bring and help you open the account together.

Let them practice now. Help them prepare for later.

Your teen doesn’t need to understand everything about money before opening an account.

They need a place to begin, room to learn and someone they trust to help them see what’s happening.

Open Teen Checking