Teen Checking

A smart start for growing independence.

Give your teen a checking account that builds confidence and healthy money habits, with tools that help you stay connected and informed along the way.

Send & receive money directly from your account
Send & receive money directly from your account
No Fees
No Fees
Parental Oversight
Parental Oversight
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Teen Checking

Welcome your teen to the world of money management with an account that gives them confidence—and you peace of mind. Lend them the tools they need to build lifelong financial habits, while staying in the loop on their usage, transactions, and more!

Plus, earn cash back on qualifying purchases with Ca$hPerks!2

Features & Benefits

  • Available for ages 13-17
  • NO minimum balance
  • NO monthly fees
  • Send and receive money instantly with Zelle®1
  • 24/7 access to Online & Mobile Banking
  • Access to our range of eServices
  • Parental oversight available
  • Parent or guardian must be a joint account owner (the minor must have a valid state ID, student ID, or passport to open a joint checking account).

Our Rates

Account
Min. Balance
Dividend
APY*

Teen Checking

Min. Balance
$0
Dividend
0.05
%
APY*
0.05
%
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“Such a humanizing experience. They recognize you as a person and not just a number on a spreadsheet. Best feeling ever!”

–Joanna J.

Quote
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Personalize your financial roadmap with JHCU

Create a plan tailored to your goals, income, and life stage. Start building a clearer path toward financial confidence today.

Get Your Roadmap
FAQs

Frequently Asked Questions

How do I stop an automatic payment from being charged to my account?

The best way to stop the payment is to contact the vendor who is submitting the request. If they are unresponsive, you may request a one-time or permanent stop payment of ACH debits. You can use a one-time stop payment to stop a single payment for the requested date and amount. A permanent stop payment will cancel all future payments to that vendor. 

To request a one-time or permanent stop payment for automated debits, you must complete the Stop Payment Form. Please contact us for assistance.

How can I transfer money with this account?

We offer free ACH Transfers and free incoming wire transfers with this account. If you’re looking to send money to someone else, we also offer Zelle®!

How can I set up a direct deposit?

Processes for signing up can differ by employer, but at the very least, you will need: 

  • Your nine-digit account number (provided at account opening, viewable on checks you have for your JHCU account, or on your statement) 
  • JHCU’s Routing and Transit Number, 252076235. 

For more information, click here or talk to your employer.

How does overdraft protection work?

We have several overdraft options to meet your needs. Our Courtesy Payment overdraft option is the standard protection available to all account holders. We also offer courtesy transfers from a Share Savings Account, a Loanmaker Line of Credit, or a Home Equity Line of Credit.

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Teen Checking

Getting in touch with us is easy. Just fill out our short contact form and a representative will contact you as soon as possible.

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Disclosures

1U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

2Each offer comes with terms and limitations. Minimum purchase may be required; see offer for details. Some retailers limit the amount per offer, but there is no limit on the total amount you can earn from multiple offers. Cash back will be credited to your account the last day of the following month from which it was earned (e.g., cash back earned on purchases made in July will be credit the last business day in August). To opt out, simply click “Stop Receiving Offers.”

A share savings account with a minimum deposit of $1 is required for membership at Johns Hopkins Credit Union. The $1 is not a fee, it gives you a “share” of ownership in the credit union and will be returned to you if you ever decide to close your account. The $1 initial deposit will remain in your savings account unavailable for you to use. If you look at your statement, or in online or mobile banking, you will always see it reflected in your “account balance,” just not in your “available balance.”