Teen Checking

Minimum Requirements

In order to qualify for a Teen Checking account, members are required to have a teen savings account with the $5.00 balance at all times as their share of ownership in Millstream Area Credit Union. If membership account has not been opened, that must be completed first. If membership has already been established, account change card must be completed and signed by member. Joint member must qualify through Chex Systems.

*See member identification policy for detailed instruction on ID requirements.

Account Specifications

1. Must be age 13 through 17 
2. Adult must be on the account as joint owner to sign for responsibility of funds
3. No minimum balance required
4. Unlimited check writing 
1. Teen receives first 50 checks free
5. 1 free Debit card  can be assigned in teen’s name with adult joint owner’s signed consent  ($10.00 replacement/duplicate fee)
6. Overdraft protection is available through share savings only
1. Courtesy Pay is not available for teen accounts
7. Free account balancing assistance twice per year 
8. Free replenishment of check registers and vinyl checkbook covers
9. No monthly maintenance fees 
10. Unlimited withdrawals/ deposits to account 
11. Free Online Banking, Mobile Banking, & Telephone Banking
12. Free electronic funds transfers from merchants 
13. Free e-Statement option
14. Shared Branching Services
15. ACH Originations 
16. Direct Deposit 
17. Payroll Deductions  
18. Non-dividend earning account