Youth Total E-Checking Account
A digital-first checking solution designed for teens who are ready to start managing their money with built-in safety and support.



Overview
What is a Youth Total E-Checking Account?
Youth Total E-Checking is a safe, flexible way for teens to manage their spending while building healthy financial habits. Designed for members aged 13–18, this non-interest-bearing account comes with digital access, a debit card, and no monthly fees. Statements are generated monthly and can be combined with other accounts.
A Youth Savings account is required to open a Youth Total E-Checking account.

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Learn, Save & Grow with 802CU
Financial Education & Youth Month
Helping young members build lifelong financial habits is part of our mission. Through fun, educational resources and annual Youth Month events, we encourage saving early and often.
National Credit Union Youth Month (Every April)
At 802CU, we’re committed to helping young members grow smarter with money. Each April, we celebrate Youth Month with savings incentives, fun giveaways, and educational activities for members ages 0–17.
- Coloring contests and giveaways
- Youth savings incentives
- Special prizes and referral bonuses
Start building strong money habits early with tools that make learning to save fun and rewarding.
Member-Focused. Locally Rooted.
Give Teens a Safe Start with Smart Spending Tools
With built-in guardrails and no hidden fees, Youth Total E-Checking helps your teen take their first step toward financial independence.
product Benefits
Built for Teens, Backed by Parents
No Overdraft Fees
Overdraft capabilities are disabled for minors, eliminating the risk of overdraft fees. While it’s possible to overdraw in rare situations (like certain pending transactions), no overdraft fees will ever be charged.
Linked Savings for Overdraft Protection
Link to a Youth Savings or Special Savings account to automatically transfer funds if your teen’s checking balance is low ($2 fee per transfer, if funds are available).
Designed for Ages 13–18
A legal guardian is listed as a joint owner, helping ensure peace of mind and oversight.
Mobile and Card Access
Includes a debit card with ATM access, a $500 daily spending limit, and mobile check deposit through the 802CU app.
Frequently Asked Questions
Have Questions? Let Us Help!
Banking Services
Bank Smarter with the Right Tools
From budgeting tools to fraud protection, we’re here to help you feel confident and in control of your finances.

More Than a Member
As a member-owner, you’re doing more than banking. You’re building a better financial future with a credit union that puts you first.
Testimonials
Real Members. Real Stories.
Real stories from real people who’ve found their financial home.
I recently moved to Vermont and was looking for a new financial institution. Several people recommended 802 Credit Union. Kim helped me set up my accounts, my direct deposit and got me started with online banking. She showed me how to use Bill Pay, which I never used at my previous bank. What a huge convenience! I highly recommend 802 Credit Union and all the staff at the Windsor branch.
Sarah
Windsor, VT
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