Teach Financial Responsibility Early
Don’t wait until your teen is out of the house to educate them about responsible money management. With no minimum balance requirement, no monthly fees and free account access, UHCU Teen Checking has everything your teen needs for an early start to financial success.Teen Checking Account
Build Their Financial Future with UHCU
Teens can track their money, make purchases, and build a budget all with their own debit card. With no minimum balance requirement, no monthly fee and free account access, UHCU Teen Checking has everything needed for an early start to financial success.
Similar perks and benefits as our Freedom Checking account, including:
- $0 minimum opening balance
- No monthly service fee
- No monthly balance requirement
- Check writing available for 16-17

Ready to Elevate Your Everyday?
UHCU Metal Debit Card
The UHCU Metal Debit Card offers a range of benefits beyond its stunning design:
- Unmatched Durability: Scratch-resistant and virtually unbreakable, this card is built to withstand the wear and tear of everyday use.
- Contactless Payments: Enjoy the convenience of tap-and-go transactions wherever contactless payments are accepted.
- Surcharge Free ATMs: Gain access to hundreds of free ATMs within the greater Texas area.
- Fraud Protection: UHCU uses VISA Falcon Fraud Prevention Service to continually monitor your card activity as well as identify and prevent fraudulent transactions on your account.

Open A Teen Checking and/or Savings Account Today!
Get started by submitting your information below, a UHCU representative will reach out to complete account opening.
Membership/Regular or Student Savings required. Programs (including, without limit, fees, rates and features) subject to change without notice. See Fee Schedule for applicable fees. United Heritage youth account restrictions apply.
Instant Issue Visa® Debit Card: Get an Instant Issue Visa® Debit Card for just $5. Daily transaction limits applied to Teen Checking account debit cards. Copies of cleared checks endorsed within 18 months of request date are free via Online Banking.
Metal Debit Cards: Membership required. A $35 fee will be charged to your account upon submission and processing of the order form. Replacement metal cards are $50. Funds for the cost of the card must be available in the member’s account at time of sign-up to qualify. All metal cards will be mailed. Instant issue not available for metal cards.