A teen checking account with a debit card and mobile banking is often the first step toward financial independence. Peace of mind comes when selecting a local team, like Washington Financial Bank, who cares about their financial wellbeing. Teen Checking1 helps parents guide their teen toward smart money habits while giving real-world banking experience, all with no monthly fees, no overdraft fees, and no minimum balance requirements. At age 16, they can choose to upgrade to a Teen Checking+ Account2, offering higher daily limits and the option to move forward without a parent on the account. At 18, both Teen Checking accounts seamlessly transition to Rebellion Cash Back Checking, supporting the next stage of their financial journey with confidence.
Built for learning. Give teens the tools to manage money with confidence while providing added peace of mind with parental account oversight. Teen Checking helps turn first paychecks, savings goals, and everyday purchases into valuable financial lessons that build lifelong financial responsibility.
More independence. More confidence. Designed for older teens ready to take greater ownership of their finances, Teen Checking+ provides higher daily limits and the option to practice financial independence without a parent on the account. As responsibilities grow, teens can navigate everyday spending, budgeting, and account management with greater confidence while preparing for the transition to adulthood.
With 24/7 account access, teens can set up account and fraud alerts and utilize Digital Wallet. Through Mobile Banking, they can send and receive money with Zelle® and set goals and track their spending. As teens grow, so does the account.
$25 minimum opening deposit - On Us (We fund your account to get you started!)
No monthly fee and No minimum balance requirements
ATM fee reimbursements
Debit Card, Zelle®, and Mobile Banking with 24/7 account access
Peace of mind with no overdraft fees
Digital Wallet compatible with Apple Pay®, Samsung Pay®, and Google Pay®
Fraud and Account Alerts and Money Management tools
Meets eligibility requirements for Scholarship Fund with the Washington Financial Charitable Foundation
$25 minimum opening deposit - On Us (We fund your account to get you started!)
No monthly fee and No minimum balance requirements
ATM fee reimbursements
Debit Card, Zelle®, and Mobile Banking with 24/7 account access
Peace of mind with no overdraft fees
Digital Wallet compatible with Apple Pay®, Samsung Pay®, and Google Pay®
Fraud and Account Alerts and Money Management tools
Meets eligibility requirements for Scholarship Fund with the Washington Financial Charitable Foundation
Available to open without a parent or guardian
Higher daily transaction limits
1 The $25 minimum deposit to open will be made by the Bank at the time of account opening. There is no minimum balance required to obtain the $25 deposit. The account has lower transactional limits, and no check writing capabilities. These restrictions will remain in place until the minor account holder reaches the age of 18 and automatically converts to a Rebellion Cash Back checking account or requests to convert to a Teen + Account available for Age 16-17 which has higher transactional limits than the Teen Checking and has check writing capabilities.
All minors will have access to an ATM/Debit Card and access to online/mobile banking. The guardian will have access to online/mobile banking; however, will not be permitted to have access to an ATM/debit card on the account. While the teen is considered a minor (age 17 and below), no overdraft fees will be charged.
As noted above, the account will automatically convert to a Rebellion Cash Back Checking account when the minor accountholder turns 18. At that time, updated disclosures will be provided, overdraft fees will no longer be waived, and ATM fees will be charged in accordance with the Rebellion Account Disclosures. Opt-In overdraft protection will also become available.
Reach out to your local branch associate for additional details.
2 The $25 minimum deposit to open will be made by the Bank at the time of account opening. There is no minimum balance required to obtain the $25 deposit. Having a parent/guardian is optional for accounts for minors age 16-17 and these accounts hold higher transactional limits than the Teen Checking account and have check writing capabilities.
All minors will have access to an ATM/Debit Card and access to online/mobile banking. The guardian, if applicable, will have access to online/mobile banking; however, will not be permitted to have access to an ATM/debit card on the account. While the teen is considered a minor (age 17 and below), no overdraft fees will be charged.
The account will automatically convert to a Rebellion Cash Back Checking account when the minor accountholder turns 18. At that time, updated disclosures will be provided, overdraft fees will no longer be waived, and ATM fees will be charged in accordance with the Rebellion Account Disclosures. Opt-In overdraft protection will also become available.
Reach out to your local branch associate for additional details.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.