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NextGen Checking
Your teen’s first step toward financial independence is a teen checking account to practice saving, spending and growing their money.
Wherever
Use secure app1 or online banking
Start
Open with $5
Spend
Get a teen debit card
Build their confidence with a teen checking account
Like anything, practice and guidance go a long way – especially with money. A NextGen Teen Checking Account2 will help your teen save, spend and practice managing their money. Most important, you will help them build confidence about money, with account access right from their phone.
The Civic app1 is for deposits, managing their teen debit card, and more. Our support team of real people will be right by their side – and yours. It might just be the best teen bank account out there!
Terms
- Online banking account for teens ages 13 to 17
- Teen is the primary owner, parent is the joint owner
- Minimum opening deposit of $5 and monthly maintenance fee of just $1
- Primary account holders can request a teen debit card
Features
- Partners with NextGen teen savings accounts
- Teen checking account is available after opening teen savings account
- When your teen turns 18 years old, the funds in their NextGen checking account will move to an adult Bonus Checking Account
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Here are a few FAQs
What type of identification is required to apply for a youth or teen account when under age 18?
The parent or guardian will have to meet the ID requirement for our Civic youth accounts. The minor will not have to provide an ID.
What happens when the youth turns 18?
Our Civic youth accounts are designed to help you teach your child smart money habits as they grow. At age 18, we welcome your teen into a full financial life! That’s when the NextGen Savings Account will automatically transition to a Select Savings Account. And that’s when NextGen Checking Account will automatically convert to a Bonus Checking Account when the minor turns 18.
Do youth accounts come with a debit card?
The YoungStar Account, for children ages 0 to 12, offers only an ATM card to withdraw funds; the YoungStar Account does not offer online access. At age 13, YoungStar converts to a NextGen Savings Account for teens aged 13 to 17 that offers limited mobile and account access to help your child to learn to manage money. You can choose to apply and pair your NextGen Savings with a NextGen Checking Account for teens, which offers a debit card and also offers limited online and mobile account access.
Are there any fees for youth accounts?
There are no fees — no overdraft, insufficient funds or maintenance fees for youth accounts.
How do we deposit money or make withdrawals from a youth account?
Under the watchful eye of parents, NextGen teens age 13-17 can use our online and digital channels to conduct transactions on their accounts, from anywhere. This includes mobile phones, ATMs and remote check deposit! For the YoungStar members ages 0-12, parents will conduct transactions on behalf of their young members.
Do youth checking accounts include checks?
The NextGen Checking account for ages 13-17 does not include checks. It does include a debit card that enables your teen to make purchases, like school supplies, tickets to school events, concessions, and other needs under your watchful eye. The YoungStar account ages 0-12 does not have checks or a debit card.
Ready to open a teen checking account?
Teens need practice with money, just like their other activities. Give them online banking for teenagers, right from their phone!
1 Message and data rates may apply.
2 Minimum opening deposit of $5. Account has a monthly maintenance fee of $1.
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