Notice: Please be aware of the increase in check fraud schemes targeting the U.S. Mail. If you do need to mail a check, it is advised that you drop it off inside at the post office.
You and your teen will have the ability to manage and monitor the account from our online banking or mobile app, allowing your teen to categorize their spending and set budgeting goals.
1. Kinetic Teen Checking accounts are offered to all members who are 13 through 17 years of age. Each member must maintain one share in the credit union.
2. The account must have a legal owner who is 18 years or older, who shall be jointly and severally liable to the credit union for any returned items and all transactions on the account. The legal owner on the Kinetic Teen Checking account must be a current member in good standing prior to opening a Kinetic Teen Checking account. A parent/guardian shall have no rights to access the account unless the parent/guardian is legal owner of the account.
3. Overdraft protection is available at no charge from the available funds in the Savings account. A limit of six overdraft transfers per month is allowed to the Kinetic Teen Checking to pay checks. After the sixth overdraft transfer any additional checks will be returned as NSF. This account is not subject to the non-sufficient funds fee. Occasional Overdraft Privilege Service (OOPS!™) is not available for this account.