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Teen Checking

For Members' Teens Ages 13 to 17-yrs old

Because understanding how bank accounts and finances work will help you make better decisions related to managing your money as you become an adult.

  • No minimum balance
  • No monthly fees
  • Only a $20 deposit required to open a checking account*
  • FREE ATM/Debit card
  • FREE mobile app
  • FREE eStatements and online banking
  • FREE checks (25 pack) each year
  • Direct Deposit eligible
  • $10 Good Grades Reward up to twice a year**

It’s Simple to Start!

  1. Select a parent or legal guardian to be joint on the account with you***
  2. Complete the video based Teen Financial Education courses

Complete Teen Financial Education Courses

    3. Visit a branch with your parent or legal guardian to open the Account

What to Bring to the Branch Upon Account Opening

Student and Parent or Guardian's Photo ID and Social Security Card, plus $20 for Teen Checking and $5 for Share Savings

Additional Account Information

Teen Accounts are limited in usage to $300/day total in Debit Card/ATM/Point of Sale (POS) and to 8 transactions/day.

Teen Checking converts to Regular or eChecking during the month of the students 18th birthday.

 

*New membership requires opening a Share Savings Account with a minimum $5 deposit

**To earn the Good Grades Reward, your report card with a minimum 3.00 grade point average must be submitted to the credit union no later than 45 days after the date of the report. Student must have a minimum of eight (8) checking account transactions during the semester, have no NSF checks or overdrawn account activity and must be enrolled in eStatements to receive the $10 savings deposit.

***Adult or legal guardian must be an East County Schools Federal Credit Union member or eligible to become a member.

ALL East County Schools Checking Accounts include:

  • Surcharge FREE Access to 30,000 Co-Op ATMS including most 7-Eleven stores
  • FREE Visa Debit Card with EMV Chip Technology
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE Online Check Pay
  • FREE Online Check Images
  • UNLIMITED Check Writing
  • FREE Point-of-Sales Cash Back
  • FREE Funds Transfer to Other Bank/Credit Unions
  • Overdraft Protection Options
  • NCUA Insured up to $250,000
  • Opening Deposit Requirement of $20.00 ***
  • NO Minimum Balance Requirement

***New ECSFCU Members will also open a Share Savings Account with a $5.00 minimum opening deposit.

Checking Rates

Financial Education

Need to know which Financial Education links to use
Need to know which Financial Education links to use
Need to know which Financial Education links to use
Need to know which Financial Education links to use

Members LoveECSFCU!

  • Todd Linke IMG_4888 no wording cropped
    After financing a newly purchased truck with ECS, Todd wrote: Thank you for your efficient and friendly service! I always appreciate the "small bank" customer service, but the "big bank" options!
    Todd Linke, Mount Miguel HS Science Department
  • Karl Danielson 2018
    I've bought three cars through the credit union. They make it very easy, very simple, and you can't beat the interest rate. I highly endorse them, their friendly staff, and the service that East County Schools gives its members!
    Karl Danielson Granite Hills HS Television, Film and Digital Media Teacher
  • ECSFCU is big enough to approve loans with great rates and small enough to provide personal service and products that are important to the educational community.
    Randy Montesanto Grossmont Union High School District
  • We bank with East County Schools Federal Credit Union and learned they also have a great car buying service! We decided to look into it and ended up with the best customer service, an amazing price, no hassle of going to the dealership, and a brand new 2017 Honda Accord Sport! A year later, we were in need of another car for our growing family. It was an easy decision to go with the credit union and New Cars Inc again. The process and customer service didn’t disappoint once again, and we love our new 2018 Honda CRV! A big thank you to New Cars Inc and ECSFCU!
    Carly and Luke Esquerra