SPEND CHECKING
Start their financial journey on the right foot
It’s never too early for real-world money experience. Give your child the gift of a financial know-how.
High-Yield Checking Account
SPEND CHECKING
Start their financial journey on the right foot
It’s never too early for real-world money experience. Give your child the gift of a financial know-how.
Checking
Three great reasons to open an account
Financial Education
Teach your kid about money management and financial responsibility from an early age.
Zero Monthly Fees
No monthly fees means your child keeps more money in their account for savings or fun.
Free Debit Card
We'll give them a free standard or custom-design debit card with their checking account.
Additional Details
The Spend Checking Account opens the door to smart money management for kids and youth up to age 18. With our robust parental controls, children, teens, and their parents or guardians can actively manage this account together.
- No Fees, No Minimums: Enjoy the freedom of no monthly fees, no minimum balance requirements, and no overdraft concerns.
- Smarter ATM Usage: Lower cash withdrawal limits for responsible spending and peace of mind.
- Access Anywhere: Use Online & Mobile Banking for easy access, complete with handy budgeting tools and e-Statements.
- Earn as You Learn: Benefit from debit rewards while learning to spend wisely.
- Grows With Your Child: The account automatically changes to an adult Income Checking account when your child turns 18.
- Customizable Debit Card: Get a free debit card—standard or with a design of your choice.
Spend Checking gives your child a practical, hands-on approach to money management. This account simplifies financial learning in a fun and engaging way!
Additional Details
The Spend Checking Account opens the door to smart money management for kids and youth up to age 18. With our robust parental controls, children, teens, and their parents or guardians can actively manage this account together.
- No Fees, No Minimums: Enjoy the freedom of no monthly fees, no minimum balance requirements, and no overdraft concerns.
- Smarter ATM Usage: Lower cash withdrawal limits for responsible spending and peace of mind.
- Access Anywhere: Use Online & Mobile Banking for easy access, complete with handy budgeting tools and e-Statements.
- Earn as You Learn: Benefit from debit rewards while learning to spend wisely.
- Grows With Your Child: The account automatically changes to an adult Income Checking account when your child turns 18.
- Customizable Debit Card: Get a free debit card—standard or with a design of your choice.
Spend Checking gives your child a practical, hands-on approach to money management. This account simplifies financial learning in a fun and engaging way!
SPEND CHECKING ACCOUNT
How to open a kid's checking account.
- Apply Online: Click the link below or visit a branch for assistance. The process is quick and straightforward.
- Easy to Start: A $1 minimum opening deposit and no complicated steps make this account accessible to all.
- What You Need: Have social security numbers for all applicants and identification for the parent or guardian prepared.
SPEND CHECKING ACCOUNT
How to open a kid's checking account.
- Apply Online: Click the link below or visit a branch for assistance. The process is quick and straightforward.
- Add Funds: Deposit at least $1 to open the account.
- Take Control: You can manage your child’s account through our secure online portal or highly-rated mobile app.
Debit Card Features
Use the debit card for direct access to cast at ATMs or banks within our network.
EMV chip technology actively safeguards against fraud and theft with advanced encryption.
MOBILE WALLET
Pay without making contact.
Pay without making physical contact. Simply open the app, tap your phone, and be on your way! No more having to fumble for your debit or credit card.
- Rack up your 15 qualifying purchases for Income Checking with your mobile device.
- Pay at the register without having to swipe your cards.
- You won’t have to enter payment and contact information.
- Add your Columbia CU debit or credit cards to the Apple Pay, Google Pay, or Samsung Pay app on your Apple, Android, or Samsung device.
★★★★★
"Been with them since I was 17, I'm 45 now. Great customer service."
- Melissa S.
Frequently Asked Questions
The primary holder must be under 18 to open a Spend Checking Account. However, a parent or guardian must be a co-holder of the account.
No monthly maintenance fees make it a cost-effective option for young users. The account focuses on providing financial education and managing transactions instead of earning interest.
Both accounts offer no monthly fees, minimum balance, and Mobile and Online Banking access. However, they differ in the following ways:
Interest and Requirements: Income Checking earns interest and requires specific card purchases and a direct deposit. Kid’s Checking does not earn interest and does not have these requirements.
ATM Fee Rebates: Income Checking offers monthly ATM fee rebates (conditions apply). Kid’s Checking does not have this feature. However, it does offer unlimited ATM withdrawals with lower limits.
Purpose and Focus: Kid’s Checking teaches young users about money management. Income Checking is geared towards adults, offering direct deposit and ATM rebates for regular income earners and more frequent transactions.
No. They will need an over-18 parent or legal guardian to open an account on their behalf. Once they turn 18, they can take full advantage of all the benefits of being a Columbia Credit Union member.
Visit our dedicated rate page to view our most up-to-date interest rates and APY details across all account types. However, our Spend Checking Account does not earn interest. We designed it as a practical tool for teaching kids about money management.
For all applicants, we require a social security number. For the parent or guardian, we also require a driver’s license, state ID, passport, or military ID.
Financial education lesson
Youth Education
Check out our Youth Education Center to find engaging content developed to guide 7th-12th graders as they begin their first financial journey.
Financial education lesson
Youth Education
Check out our Youth Education Center to find engaging content developed to guide 7th-12th graders as they begin their first financial journey.