Young Adult Checking For Members 13 to 23 years old


For members age 13 - 23. With no option to overdraft the account, it’s the perfect product for young members who are just beginning their financial journey. A parent or legal guardian is required for those aged 13 – 17.


Call Us at 800-444-6327
Feature or BenefitYoung Adult
Earns Dividends 
Overdraft Protection**Yes
Reimbursed ATM Fees  
Free Check Orders (up to $25 per order) 
Free Instant Issue Debit CardYes
Paper Statements***Yes
Overdraft Fees for Returned ItemsYes
Bounce! Protection† 
Free Web and Mobile BankingYes
Free Online and Mobile Bill PayYes
Free Access to Co-Op Shared ATMs and BranchesYes
Monthly FeeFREE
How to Waive Monthly FeeN/A
Opening Deposit$25

* For Young Adult accounts between 13-17 years old, a parent or legal guardian is required as a joint owner.

** Overdraft protection: Free for Advantage, $7 per transfer, once daily, for all other checking accounts.

*** Free for Advantage, $2 per month for Simple, Opportunity and Young Adult

† $30 per item, up to a maximum of 4 charges per day. Bounce! Protection is not available for Young Adult Checking.