Smart spending starts early.
A first checking account for kids and teens ages 9 and up, from the first allowance to the first paycheck. They get a Visa® debit card and tools to learn about money, and you stay in the loop.
Money skills that start now.
Financial education
Learn about money with GreenPath Financial Wellness, our trusted nonprofit partner.
Explore GreenPathA debit card that rewards
Every account includes a Visa® debit card that works anywhere Visa is accepted. Spending and saving earn uChoose Rewards®.
Explore debit cardsParents stay involved
Transfer and monitoring options help you guide how your child spends and saves.
First job? First paycheck.
Teens can get paid into an account of their own and start managing real money.
Get paid with direct deposit
Have a paycheck go straight into their Youth Checking account.
Spend with their Visa® debit card
Use it anywhere Visa is accepted, and earn uChoose Rewards® on spending and saving.
Explore uChoose RewardsOpen an account together, in person.
A parent or legal guardian approves every Youth Checking account.
Visit a branch together.
To apply for a youth account, please visit a CSCU branch. Schedule a visit, or stop by during business hours. Don’t forget to bring an ID.
Tell us about yourself.
A parent or guardian joins as joint owner, provides their own information and signs. Minors need a parent’s or guardian’s signature to open an account.
Make your first deposit.
Add money to the account and you’re ready to bank. Your child gets a Visa® debit card and access to financial education from GreenPath.
More ways to build their future.
Youth savings (TUTMA)
A savings account a parent, guardian or grandparent can set up for a child from birth through age 17. Apply at a branch.
Explore youth accountsCertificates
Low-risk savings with fixed terms and slightly higher returns than standard savings.
Explore certificatesTips for parents
Learn how to teach kids about checking and debit cards with a parent’s help.
Read moreFrequently asked questions
Who can open a Youth Checking account?
Kids and teens ages 9 and up. A parent or legal guardian must approve the account, and accounts are opened in person at a branch.
Can a minor open an account on their own?
No. Minors need a parent’s or guardian’s signature to open a Youth Checking or Savings account.
How do I open an account?
Youth accounts are opened in person at a CSCU branch with a parent or legal guardian. Bring an ID. Schedule a visit, call or text (936) 295-3980, or stop by during business hours.
Can my teen get paid by direct deposit?
Yes, a paycheck can be deposited into a Youth Checking account. Ask a banker how to set it up when you open the account.
Does it come with a debit card?
Yes. Your child gets a Visa® debit card that works anywhere Visa is accepted.
What can my child learn?
Through GreenPath Financial Wellness, a trusted national nonprofit, you and your child can use financial education and learning materials to build money skills.
Do we earn rewards?
Spending and saving are linked to uChoose Rewards®. See the uChoose Rewards page for how it works.
Can I set up savings for a younger child?
Yes. A Texas Uniform Transfer to Minors (TUTMA) savings account can be opened by a custodian over 21, such as a parent, guardian or grandparent, for a child from birth through age 17. Apply at a CSCU branch.
How do I get help?
Call or text us at (936) 295-3980, or visit us at 250 FM 2821 Rd W, Huntsville, Texas.
Ready to get them started?
Stop by a branch with your child, or schedule a visit.
Links to third-party sites are provided as a convenience. CSCU does not manage their content, and their privacy and security policies differ from ours. uChoose Rewards® terms apply.
Federally insured by NCUA. Deposits are insured up to $1,000,000: up to $250,000 by the NCUA and up to $750,000 by Excess Share Insurance Corporation (ESI). Equal Housing Opportunity.