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Evergreens: Ages 12-17

Teach your teen healthy financial habits

Help your teen learn to manage their money with a free checking account from SFCU designed to give them the freedom to practice money management under adult supervision.


No minimum account balance

Help your teen learn without having to worry about a pesky minimum balance.

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Online & Mobile Banking

Learning to monitor your finances is important. With online and mobile banking your teen will have a head start.


Overdraft Protection

You can choose to connect the youth checking account with a savings account to prevent overdrafts. If your teen makes a mistake, they won't be penalized.



Parents and guardians can allow their child to have share-to-share transactions between their accounts for easy transfers and overdraft protection.


New Account Bonus

New members 0-17 years of age receive a $10 bonus when opening a new account.


Sprout Saver

A 12-month Share Certificate tailored specifically for our young savers. Plant the seeds of financial responsibility early and reap the rewards for years to come.

Learn More

SFCU Graduation Bonus

If you're an SFCU Member and graduating High School this year, ask how you can receive a deposit to your SFCU savings account. Not a member? Join Today. Debit Card required to receive bonus.

Online & Mobile Banking

Keep an eye on your child's finances

Help your teen visualize money management with free online banking tools. Easily access the account from your device to better understand the account status, balance, and transactions to ensure your teen makes responsible financial decisions.

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Access Your Checking

SFCU Debit Mastercard

Access your account funds with a tap of your SFCU Debit Mastercard to make your purchases fast and easy! Grab yours at a local branch or chat with a rep by phone or online.

Savings Program

Change It Up

Get started paying yourself with each of your SFCU Debit Mastercard transactions. Enroll today and Change It Up whenever you use your debit card for everyday transactions. Once enrolled, we will round transactions to the nearest dollar and deposit those change to the account of your choice.

How it works

It's easy to get a savings and checking account for your teen.

  • 1

    Complete an application

    Fill out the application with the teen and secondary account holder.

  • 2

    Open an account

    Make an initial deposit and open the account.

  • 3

    Practice healthy habits

    Have your teen manage the account to learn healthy financial habits.

Open A Youth Account


Have a question? Get in touch with us

Teach your teen how to spend and save responsibly

With an account from SFCU, any child between the ages of 12 and 17 can have a safe space to learn about spending and saving without worrying about account minimums and overdraft penalties. It's the best way to prepare them for the world!