Start Young Checking
Teach Your Kids Strong Money Habits
Helping your kids learn how to handle money is one of the most meaningful lessons you can give. With the Start Young Checking account, you can teach real-life financial skills in a safe environment that grows with your child. Bundle it with a Start Young Savings account to give them an even stronger foundation.
Start Young Checking
- $25 minimum opening deposit
- Easy deposits and transfers to your child’s account
Designed to grow with your child through every stage from ages 0-17!
| 0-7 Age Group | 8-12 Age Group | 13-17 Age Group |
|---|---|---|
| $25 minimum opening deposit No monthly maintenance fees or minimum balance* 24/7 secure access using online banking and mobile app Debit card access | $25 minimum opening deposit No monthly maintenance fees or minimum balance* 24/7 secure access using online banking and mobile app Debit card access | $25 minimum opening deposit No monthly maintenance fees or minimum balance* Mobile person-to-person payments Debit card access 24/7 secure access using online banking and mobile app |
Bundle for a Strong Start to Smart Savings
Start Young Savings
- Earn 0.10% APY dividend rate1
- $25 minimum opening deposit
- Easy deposits and transfers to your child’s account
A savings journey that adapts as your child grows!
| 0-7 Age Group | 8-12 Age Group | 13-17 Age Group |
|---|---|---|
| $25 minimum opening deposit No monthly maintenance fees* Dividend Rate: 0.10% APY1 24/7 secure access using online banking and mobile app | $25 minimum opening deposit No monthly maintenance fees* Dividend Rate: 0.10% APY1 24/7 secure access using online banking and mobile app | $25 minimum opening deposit No monthly maintenance fees* Dividend Rate: 0.10% APY1 24/7 secure access using online banking and mobile app |
Start Young Debit Card
How to Use The Card
0-7 Age Group
- Demonstrate responsible card ownership
- Explain how card purchases equal real money
- Introduce simple budgeting and spending limits
- No service or overdraft fees
8-12 Age Group
- Teach safe online purchasing habits
- Demonstrate card convenience and responsibility
- Reinforce how card spending uses real money
- Practice ATM access for deposits and withdrawals
- No service or overdraft fees
13-17 Age Group
- Everyday purchases on their own (gas, snacks, etc.)
- Online and in-store purchase options
- ATM access for deposits and limited withdrawals
- No service or overdraft fees
*Terms & Conditions
*Please refer to Account Agreement and Disclosures and Personal Account Information and Fee Schedule for complete information about each account. All account dividend rates, agreements, terms, and conditions are accurate as of 01/16/2026 and are subject to change without notice.
*Start Young Checking: CCCU will not charge any additional domestic ATM fees, however non-CO-OP ATM fees may apply. For international transactions including POS (Point of Sale), ATM Withdrawal and OTC (Over the Counter), an international transaction fee of 3% will apply and some merchants may opt to charge withdrawal fees.
*Please refer to CCCU Truth and Savings and Fee Schedule for complete information about each account. All account dividend rates, agreements, terms, and conditions offered are subject to change without notice.
Start Young Savings:1APY = Annual Percentage Yield. APYs are accurate as of 01/16/2026 and are subject to change without notice. Fees may reduce earnings. APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. CCCU dividends are compounded daily and paid monthly. The APY and dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY for Start Young Savings accounts.