Does Your Teen Have the Tools to Succeed? Why a Checking Account and Debit Card Matter. 

Why Your Teen Needs a Checking Account and Debit Card 

Real-World Experience with Real-World Tools 

A checking account gives teens a safe space to learn how to manage money—monitoring balances, reviewing transactions, and budgeting for wants and needs. A debit card allows them to shop safely and responsibly, with parental oversight. 

Financial Education Resources 

Unlike payment some apps that offer debit cards, which focus only on transactions, OUCU’s Start Smart Teen Account includes built-in financial education and tools. Teens get free access to interactive resources through OUCU’s Banzai financial wellness program, helping them understand topics like savings strategies and how checking accounts actually work. 

Parental Guidance Without Hovering 

OUCU’s teen account lets parents stay in the loop while giving teens room to grow. You can link to their account, set up alerts, and provide guidance based on real-time activity. 

Build Confidence (and Credit-Readiness) 

Using a debit card teaches your teen to live within their means. That’s a life skill they’ll take with them into adulthood—when they’re ready for things like car loans, credit cards, and future financial responsibilities. 

A Safer Choice than Peer-to-Peer Apps 

Peer-to-Peer Apps weren’t designed with your teen’s financial wellness and safety in mind. They often lack safeguards, oversight, and education putting your teen at risk for scams, potential fraud, and unauthorized payments.  

Why Choose OUCU Financial? 

• No monthly fees or minimum balance requirements 
• Free debit card 
• Online and mobile access 
• Joint ownership with a parent or guardian 
• Financial education and personalized support 

Ready to help your teen start smart? 

 
Learn more or open an account today