Junior Checking | Teen Checking Account

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Our Junior Checking allows your teen (age 13-17) to engage with their own checking account giving them real-life, hands-on experience of budgeting, spending and saving responsibly.

No monthly minimum balance requirement

No monthly service fee

Free Visa Debit card¹—easily turn off/on with Card Management

24/7 Online & Mobile Banking

Securely transfer money
to your teen from
another FFCU account

Over 30,000 no-surcharge ATMs²

Fraud protection with Visa's Zero Liability Policy³

Junior Checking Frequently Asked Questions

How do I open a Junior Checking account?

The account can only be opened in-person by visiting your local branch with:

Your child (ages 13-17)—who must have a First Financial membership with a Junior Savers account
Valid government-issued IDs for both the adult and child (or school ID)
Social Security Numbers for both
Online and Mobile Banking must be established at account opening and the Visa Debit card must be ordered

Who can I contact with more questions?

You can visit your local branch or call (800) 537-8491 during regular business hours (Monday-Friday: 7am to 7pm; Saturday: 9am-4pm).

What is a Junior Checking Account?

This is a special account designed for members ages 13-17 and is a smart and secure way to learn real-world money management skills.

Are there Overdraft privileges with the account?

No. This account does not have Overdraft services (nor can these services be linked from the adult joint owner’s account).

Do you have any financial literacy resources?

Check out our Resources for Teachers page that features educational resources to help your children learn more about useful financial practices.

What happens when my child turns 18?

The Junior Checking account will automatically convert to free Convenience Checking and they will become the sole owner of the account. You will need to complete a Relinquish Form to be removed as the joint owner.

What is my (parent/grandparent/legal guardian) role and responsibilities as the Joint Owner?

As the joint owner on your child's account, you retain full access and control.

Monitor Account Activity—through Online and Mobile Banking
Deposit and withdraw funds—you can perform these transactions and help with setting up recurring transfers (from your First Financial account)
Provide financial guidance and oversight—to help your child make smart financial decisions
Legal responsibility—as the joint owner you are financially responsible for account activity

Who is eligible to open a Junior Checking Account?

To open this account, the “junior” must be 13-17 years of age and have a parent/grandparent/legal guardian as the joint account owner. The adult joint account owner must have an established First Financial account and must be in good standing. The Junior Checking account can only be established in-person at a branch by the adult joint owner with the “junior”. The “junior” member must have their own First Financial membership with a Junior Saving account at time of account opening.

What are the benefits to this account for my child?

In addition to teaching money management skills, the account features include:

No Minimum Balance Requirement
No Monthly Service Fees
Free Visa Debit Card
Free Online and Mobile Banking with Remote Deposit Capture
Free Telephone Banking at (800) 537-8491
Free Access to 30,000+ CO-OP ATMs

Visit a Branch to Open a Junior Checking Account Today!

Click for your nearest branch. For questions, call (800) 537-8491 or use Online/Mobile Banking chat.

A Junior Checking Account is a checking account for minors between the ages of 13-17 years of age, with a Junior Savings Account. An adult joint owner (parent/grandparent/legal guardian), who meets First Financial Credit Union’s (FFCU) membership eligibility must have an established membership in good standing. The Junior Checking Account will convert to a Convenience Checking Account when the junior member reaches the age of 18. The minimum deposit required to open this Account is $25. Visa Debit card daily limit is $600. Other terms, conditions, restrictions may apply. Call for complete information.

¹A $600 daily limit applies.

²Surcharge-free transactions are available for debit and ATM card holders of participating credit unions. Look for the CO-OP logo.

³Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify First Financial Credit Union (FFCU) immediately of any unauthorized use. Contact FFCU for more details.