TEEN CHECKING
Our Teen Checking accounts empower members ages 13–18 to practice responsible spending habits.
SMART MONEY HABITS START HERE
KEY BENEFITS
Always free
Scholarship opportunities
Financial education
Surcharge-free ATM access
Digital wallet ready
Why choose an OSCU Teen Checking account?
Learning how to manage money is an essential step toward independence. Teen Checking gives members ages 13–18 the tools to build smart financial habits with the safety net of family guidance. A parent or legal guardian must be a joint owner of the teen account until the student turns 18 years old.
No-cost banking
- Account is always free, with no monthly requirements
- No monthly service fee
- No minimum balance requirements
- No fee for receiving statements
Educational opportunities
- Teen Checking account holders are eligible to apply for annual college scholarships from OSCU
- Free online education to help you learn smart money habits and financial management fundamentals
- In-person or over the phone guidance from our financial service consultants — we’re always here to help!
Always Included
Teen Checking at OSCU means a free Visa® debit card packed with benefits, plus:
- Online bill pay
- eStatements
- Mobile banking, including mobile check deposit
- Early direct deposit
- Access to 33,000 surcharge-free Co-Op ATMs across the U.S. and Canada
Teen Checking account details
Effective date
Friday, November 13, 2026
| Account | Minimum balance to earn dividends* | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Rewards Checking | N/A | N/A | N/A |
| Value Checking | N/A | N/A | N/A |
| TLT (Teen) Checking** | N/A | N/A | N/A |
| Platinum Checking*** | $1,000.00 | 0.05% | 0.05% |
Minimum balance required to open all checking accounts is $25.00. | |||
* Minimum balance that must be maintained each day to earn dividends. Dividends paid monthly for the days on which the balance equals or exceeds $1,000.00. ** Members under 18 require a parent or guardian as a joint signer. *** Members 55 and older qualify for Platinum Checking. | |||
Checking Account Rates
Rewards Checking
Value Checking
TLT (Teen) Checking**
Platinum Checking***
Minimum balance required to open all checking accounts is $25.00.
* Minimum balance that must be maintained each day to earn dividends. Dividends paid monthly for the days on which the balance equals or exceeds $1,000.00.
** Members under 18 require a parent or guardian as a joint signer.
*** Members 55 and older qualify for Platinum Checking.
- If you’re already a member of Oregon State Credit Union: You’ll need a one-time minimum deposit of $25 to open a Teen Checking account. After your account is open, there is no minimum balance requirement and no monthly account service fee if you sign up for estatements.
- If you are not yet a member of Oregon State Credit Union, you’ll need two things:
- A one-time minimum deposit of $25 to open your Teen Checking account
- A Basic Savings account with a minimum deposit of $5
All members must open a Basic Savings account and maintain a $5 minimum balance. See the table below for details or learn more about how to join Oregon State Credit Union.
| To Open | Current member | Non-member |
|---|---|---|
| One-time minimum deposit to open checking account | $25.00 | $25.00 |
| One-time membership fee | $0.00 | $0.00 |
| Basic savings account deposit | $0.00 | $5.00 |
| Total money required | $25.00 | $30.00 |
Value Checking Deposit
One-time minimum deposit to open checking account
One-time membership fee
Basic savings account deposit
Total money required
- At ATMs owned by Oregon State Credit Union, transactions are free and unlimited. Plus, our members can access their accounts at more than 33,000 ATMs nationwide through the Co-Op network. Find an ATM near you.
- At Co-Op network ATMs not owned by Oregon State Credit Union, members get six transactions per month free of charge. For seven or more transactions per month, members may be charged a $1.50 fee per transaction depending on their Member Merits category.
| Product type | Essential | Enhanced | Premier |
|---|---|---|---|
Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member’s relationship with the credit union. Enhanced and Premier Member Merits categories enjoy reduced rates on consumer loans, increased rates on certificate account types and a reduction in account fees. | |||
| Rewards Checking | $7.00* | $7.00* | $7.00* |
| Value Checking | $0.00* | $0.00* | $0.00* |
| TLT Teen Checking | $0.00 | $0.00 | $0.00 |
| Platinum Checking | $0.00 | $0.00 | $0.00 |
| Overdraft paid (Courtesy Payment) | |||
| $10.00 or less | No fee | No fee | No fee |
| $10.01 or greater | $10.00 per presentment** | $10.00 per presentment** | $10.00 per presentment** |
| Returned Item fee (non-sufficient funds) | |||
| $10.00 or less | No fee | No fee | No fee |
| $10.01 or greater | $10.00 per presentment** | $10.00 per presentment** | $10.00 per presentment** |
* If not enrolled in eStatements, a $3 monthly fee will be applied to Value and Rewards checking accounts. This fee is waived each month if checking account is enrolled in eStatements at least one day before the last calendar day of the month ** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account. ***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment. | |||
| Overdraft protection transfer | |||
| From savings, per transfer | No fee | No fee | No fee |
| From Visa® / PLOC, per transfer | No fee | No fee | No fee |
| Plastic card replacement | $6.00 | $6.00 | $6.00 |
| Stop payment | $25.00 | $20.00 | $10.00 |
| Check copy | $5.00 | $3.00 | $1.00 |
| Personal checks | |||
| Temporary check, per page | $2.00 | $1.00 | $0.00 |
| Check printing fee depends on the style and quantity ordered | |||
| Online account access and bill pay | $0.00 | $0.00 | $0.00 |
| Non-MICR encoded checks, per item | $0.00 | $0.00 | $0.00 |
| Mis-encoded checks, per item | $0.00 | $0.00 | $0.00 |
| Dishonored non-credit union checks written by member, per check | $30.00 | $30.00 | $30.00 |
| ATM transaction fees | |||
| Oregon State Credit Union-owned | $0.00 | $0.00 | $0.00 |
| CO-OP® network ATM transactions per month | |||
| Up to six | $0.00 | $0.00 | $0.00 |
| Seven or more | $1.50 | $0.00 | $0.00 |
| All other ATMs | $1.50 | $1.50 | $0.00 |
Checking account and ATM fees
Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member’s relationship with the credit union. Enhanced and Premier Member Merits categories enjoy reduced rates on consumer loans, increased rates on certificate account types and a reduction in account fees.
Rewards Checking
Value Checking
TLT Teen Checking
Platinum Checking
Overdraft paid (Courtesy Payment)
$10.00 or less
$10.01 or greater
Returned Item fee (non-sufficient funds)
$10.00 or less
$10.01 or greater
* If not enrolled in eStatements, a $3 monthly fee will be applied to Value and Rewards checking accounts. This fee is waived each month if checking account is enrolled in eStatements at least one day before the last calendar day of the month
** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account.
***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment.
Overdraft protection transfer
From savings, per transfer
From Visa® / PLOC, per transfer
Plastic card replacement
Stop payment
Check copy
Personal checks
Temporary check, per page
Check printing fee depends on the style and quantity ordered
Online account access and bill pay
Non-MICR encoded checks, per item
Mis-encoded checks, per item
Dishonored non-credit union checks written by member, per check
ATM transaction fees
Oregon State Credit Union-owned
CO-OP® network ATM transactions per month
Up to six
Seven or more
All other ATMs
Find a branch or ATM
Use the Find a location panel below to find a nearby branch, ATM, or one of more than 40,000 surcharge-free CO-OP ATMs nationwide.
Financial Education Center
A safe first step into credit
For teens ages 13–18, this co-signed card offers the same great features as our Visa® Value card, while giving young members their first real-world credit experience with the guidance and support of a parent or guardian.