Teen Checking - East County Schools Federal Credit Union
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Teen Accounts

For Children of Members Ages 13 to 17-years-old

Because understanding how bank accounts, debit cards 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 with card lock and check deposit features
  • 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. Visit a branch with your parent or legal guardian to open your account
  3. What to bring:

            Adult: Legal Photo ID such as Drivers License

            Teen: California ID Card or Drivers License or Social Security Card

            $25 to open (or more): $5 for the Share Savings Account and $20 for the Teen Account

We encourage your teen to complete the six five-minute modules on Checking Accounts, Credit Cards, Creating a Budget, Credit Scores, Healthy Financial Habits and Mobile & Online Banking. Click on the link below.

Complete Teen Financial Education Lessons

  
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 member's 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 be 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 Mobile App with card lock option
  • 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 (plus $5 to open a share account)
  • NO Minimum Balance Requirement

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!

  • Cathy Sprecco with Koala - Australia 2015

    I had a fantastic trip to Switzerland and Austria this past summer with East County Schools FCU and the SD East County Chamber of Commerce. This was my 6th trip with this fun group! The Educator Tour, guided by the infamous Steve Devan, is the perfect way to truly see and experience any country. The train ride through the Alps was a personal favorite and such an amazing experience. Seeing and hearing cows and goats with real bells grazing on the side of the mountains made me want to sing a favorite "Sound of Music" song and look for Heidi or her grandpa around every turn! I really felt immersed in the culture. The extra servings of warm apple strudel helped too!

     I am a single traveler and all worries are put aside on these well-coordinated trips. Almost everything is taken care of for the travelers so I always feel spoiled! The fellow Educator Tour travelers that I have met from other districts and other walks of life have become my life-long friends! These trips are so dear to me that I have a separate savings travel account where I dedicate a small monthly amount to be ready for the next country!

    Come join us!

    Cathy Sprecco - First Grade Teacher in Lakeside Union School District