Open a Teen Checking account

The Tomorrow's Leaders Today (TLT) Teen Checking account is a Free Checking account for students ages 13-18 not yet enrolled in college. With Teen Checking, young members learn responsible spending habits with the guidance of a parent or guardian.

Visit a branch to open a Teen Checking account

A parent or legal guardian must be a joint owner of the teen account until the student turns 18 years old.

Find a branch | Open Teen Checking

Take advantage of Teen Checking benefits:

Find a branch | Open Teen Checking

Teen Checking account FAQs

  • Q: How do you open a Teen Checking account?

    • A: If you’re a parent or guardian: Visit your preferred branch to open a Teen Checking account. A parent or legal guardian must be a joint owner of the account until the student turns 18 years old.

    • A: If you’re a teen: Talk with your parent or legal guardian and arrange a time to visit your preferred branch to open your account. Teen Checking is for members 18 years old and younger. It has the same benefits as Free Checking. Teen members are required to have a parent or legal guardian as a joint owner of the account until the member reaches age 18.

  • Q: What does it cost to open Teen Checking?

    • A: If you’re already a member: A one-time minimum deposit of $25 to open a Teen Checking account.

    • A: If you are not yet a member you’ll need:

      • a one-time minimum deposit of $25

      • a one-time $10 membership fee to join Oregon State Credit Union. Learn about membership eligibility here.

      • a Basic Savings account with a minimum deposit of $5. All members must open a Basic Savings account and maintain a $5 minimum balance.

Money required to open Teen Checking
To open Current member Non-member
One-time minimum deposit to checking account $25 $25
One-time membership fee $0 $5
Basic savings account deposit $0 $5
Total money required $25 $35
  • Q: What about overdrafts and non-sufficient funds?

    • A: Teen Checking has the same benefits as Free Checking and the same overdraft options and related fees. Teens and parents or guardians can work together to select options that work best for their goals. See checking disclosures, rates and fees.

Find a branch | Open Teen Checking

 

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