Student & Teen Checking Account for Learning Better Money Habits

Checking Account For Students Ages 13-18 

Our special program offers teenagers the ability to become financially stable and graduate from high school with a jumpstart on their finances. Our goal with this account is to equip our teen members with the knowledge and skills to start on a sound financial path. Teen accounts require a parent or guardian as a joint owner. This account requires a $5 deposit and has no monthly fees or minimum balance requirement. Teens (and parent/guardian joint owners) can monitor account activity via our mobile app and set up transaction alerts. The teen member can also have a debit card to learn to manage regular transactions in their name. 

Encouraging Responsible Financial Habits

A Teen Checking Account helps young members gain confidence in managing money by giving them real opportunities to practice everyday financial skills. With tools that make it easy to track balances, monitor spending, and set savings goals, teens learn how to make informed decisions early on. Parents can stay involved through account oversight and optional alerts, creating a supportive environment that promotes responsibility and healthy financial habits as teens grow toward financial independence.

No Hidden Costs and No Monthly Fees

Here at Kellogg Credit Union, we believe banking should be easy and transparent, which is why there are no hidden costs when you open a checking account. You need only a starting deposit of just $5 to open a teen checking account. From then on, you don’t need to worry about maintaining a minimum balance, there are no monthly fees, and you get full access to over 70,000 surcharge-free ATMs so you can access your funds anywhere.

Mobile and Online Banking

Access your accounts at home and on the go with our online account access and mobile banking app. You will be able to view your balances, transfer funds, and make mobile deposits!

Teen Account Benefits

Open a Teen Checking Account

Teen Name(Required)
Parent/Guardian Name(Required)
Is Teen Already a Member?(Required)
Select exactly 1 choice.

More Perks for Teens & Students

Savings Accounts to Start Savings Habits

All of our Teen Checking Accounts come with the required Primary Savings account which is one of the best ways for teens and students to build strong financial habits from the start. A Primary Savings account gives young members a safe place to set money aside, earn dividends, and work toward short or long-term goals. By pairing checking with savings, teens learn how to separate everyday spending from future-focused funds, helping them develop smart habits that support financial stability as they move into adulthood. Check out our primary savings account.

Student Loans With Competitive Rates

Thinking about college? Kellogg Credit Union offers student loans with competitive rates in partnership with Sallie Mae®. Explore Student Loan Options.

Scholarships for Your Teen

When you open a teen checking account and have been a member for at least 6 months, your teen is eligible to apply for a Kellogg Credit Union scholarship. We award up to three $1,000 scholarships to students who plan on pursuing an advanced education in 2025 at a college or trade school. Learn more about our scholarship program.