Teen Account

It’s never too early to start building a strong financial future for your teen! Teaching children responsible money saving, spending, and budgeting habits from an early age gives them the foundation they need to kickstart their financial journey.

JHFCU’s Teen Account is the perfect introduction to financial independence and smart money management for your teenager, ages 13-17.

By opening our jointly owned Teen Account, you and your teenager can manage their money together.* This gives your teen a first glimpse at financial freedom while still keeping you in control of all transactions, usage, and more.

Give your teenager the gift of an early financial education that will last a lifetime. Open a Teen Account by June 30, 2024, to get a $50 bonus!*


Get Started


Benefits of a Teen Account

Cash Back

Get cash back on select transactions with CashPerks.2

No Fees & No Minimum Balance

Open a Teen account with no minimum balance requirements and no annual or monthly fee.*

Federally Insured

The National Credit Union Administration (NCUA) insures your account for up to $250,000.

30,000+ Free ATMs

This account gives you access to over 30,000 free ATMs  

Easy Access

Online and mobile banking services offer easy access anytime and anywhere.


Free E-Statements

Reduce paper clutter and keep an eye on your teen's spending.



Teen Account Details

Opening a joint Teen Account allows you and your teenager to manage their money together. It's a great way to learn about saving, budgeting, and handling money responsibly.

Here are the details you need to know:

  • Free to open!
  • No monthly fees
  • Free E-Statements
  • Parental Oversight
  • No minimum balance requirements
  • Manage your account online or through our mobile app
  • Parent or guardian must be a joint account owner (The minor must have a valid state ID to open a joint checking account.)

A father teaching his 16 year old son how to manage his teenage savings account online.

Get Started


Teen Account Features

Free Debit Card

Gain hands-on experience making real-world purchases.


Bill Pay

Ensure on-time bill payments and simplified transactions.



Send and receive money between friends and family members, even if they bank somewhere different than you.**


Mobile Deposit

Skip the bank trip and deposit checks through our secure app.


30,000+ Free ATMs

That’s right, access to over 30,000 free ATMs nationwide.



Start earning cash back
on select debit card transactions!

Have it all checking

All you need is your JHFCU Visa Debit Card and Online Banking. Simply select the offers to activate them, and you’ll earn cash back on your purchases!

Start earning cash back (from a few cents to over $100) on select JHFCU Visa debit transactions.

Take advantage of as many offers as you’d like. And best of all, the system is secure and anonymous—your personal information is NEVER shared with the retailers, so you won’t be bombarded with any external solicitations.

To learn more, visit our Ca$hPerks page.



“Such a humanizing experience. They recognize you as a person and not just a number on a spreadsheet. Best feeling ever!”

- Joanna J.




Next Steps When Considering a
Teen Account

Teen Checking Account FAQs


More Account Options

Young Adult Account

A special account for young adults aged 18-24. Enjoy a wealth of benefits and features!

Learn More

Money Market

Grow your savings smarter with our high-yield, no-penalty money market account.


Learn More



1 Each offer comes with terms and limitations. Minimum purchase may be required; see offer for details. Some retailers limit the amount per offer, but there is no limit on the total amount you can earn from multiple offers. Cash back will be credited to your account the last day of the following month from which it was earned (e.g., cash back earned on purchases made in July will be credit the last business day in August). To opt out, simply click “Stop Receiving Offers.”
2 Subject to loan approval
*Offer ends 6/30/24 and subject to change. $25 minimum balance to open account. Share savings account required to open checking account. | Equal Opportunity Lender Federally Insured by NCUA | © 2024 Johns Hopkins Federal Credit Union
**U .S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.