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    Routing Number: 211690911

    Call Us: 800-728-5871

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    Important System Upgrade Notice for FORMER WRCU & 802CU Members:
    As part of our system upgrade with White River Credit Union (WRCU), hours will be adjusted and some banking services will be temporarily unavailable during the weekend of February 27–28.
    For detailed information on services affected during the upgrade weekend visit Partnerships | 802 Credit Union

    Home » Accounts » Youth Accounts » Youth Total E-Checking

    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.

    • No monthly fees, minimums, or direct deposit requirements
    • Designed for youth ages 13–18 with joint parent/guardian ownership
    • Debit card with adjustable spending limits and mobile check deposit
    • Overdraft capabilities are disabled with optional transfer protection from savings
    Open in Branch Become a Member
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    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.

    Open in Branch Become a Member

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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.

    • World of Cents Game
    •  TreasuryDirect KIDS
    • FTC Consumer Education

    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.

    Open in Branch Explore Youth Savings

    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!

    • How do I change my name on my account?

      Once you have changed your name with Social Security, you will need to complete a membership change card. If you choose to add a joint owner, you can do so at the same time. Once we have the signed application with a copy of your updated identification, we will change your name on our system and place an order for new checks and VISA®/debit cards.

    • How do I remove a signer from my account?

      The joint owner can sign a membership change card that instructs us to remove their name, or we can close your existing account by opening a new account and transferring funds.

    • What is the routing/ABA number I should use?

      Our routing number is 211690911.

    • How do I order checks?

      First-time check orders must be done through the branch. If you are reordering checks with no changes, you can reorder them online through Harland Clarke.

    • Why haven’t I received a 1099 for interest earned?

      The IRS does not require a financial institution to issue a 1099 for accounts that earn less than $10 in a given year. If your account did earn more than $10 and you have not received a 1099, please call us during business hours.

    • Does 802 Credit Union issue and redeem U.S. Savings Bonds?

      We no longer issue savings bonds as they are now issued paperless directly through the Treasury Department. You may buy and manage savings bonds electronically safely 24/7 via www.treasurydirect.gov. The Credit Union does redeem savings bonds. Please contact your local branch office for more information.

    • Is my account federally insured?

      All member deposits are federally insured, in the aggregate, up to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency, through a government-backed federal insurance fund known as the National Credit Union Shared Insurance Fund (NCUSIF), and are backed by the full faith and credit of the United States government. Joint member accounts are insured separately from individual accounts up to a maximum of $250,000. IRAs receive separate $250,000 insurance coverage.


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    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.

    Become a Member Today

    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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    More Ways to Grow with 802CU

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      IRA Certificates

    • A white dog with a colorful collar sits on a wooden deck, gazing out over a sunlit green backyard bordered by trees. A wicker chair and potted plant frame the peaceful, quiet scene.

      IRA Shares

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      Youth Certificates of Deposit (CD)

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      Youth Savings


    Join Today

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    802 Credit Union
    265 South Main Street, Barre, VT 05641
    Contact Us
    info@802cu.com

    Equal Housing Lending | NMLS #409405

    Your accounts are federally insured up to $250,000 by NCUA.

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    Prepare for conversion weekend (2/27–28)

    Please review the information below before conversion weekend. These resources were previously shared by mail and email and include important steps to ensure a smooth transition.

    Here for Online Banking, click the WRCU Online Banking button below. 

    WRCU Online Banking Conversion Timeline and Checklist Bill Pay Instruction Quicken/QuickBooks Instructions