Smart Start Checking

Financial Independence Starts Here

Our Student Checking Account is designed for members aged 13 to 17, offering teens the opportunity to build financial independence while learning smart spending and saving habits. With their own debit card and access to online banking, they can practice budgeting and develop essential money management skills. Plus, from November 1st to December 31st, when you open a student checking account using the promo code SMARTSTART, and deposit $25, we will match it.

Open a Student Checking Account with these smart features:

  • Members ages 13 – 17 can open a Student Checking Account with their parent or guardian listed as a joint owner.
  • From November 1st to December 31st, when you open a student checking account using the promo code SMARTSTART, and deposit $25, we will match it.
  • It’s free – There are no hidden fees or charges you need to worry about.
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  • Having a Student Checking Account makes your teen eligible to apply for a GCEFCU scholarship.
  • Online Banking – They can keep track of their saving and spending online from their computer or phone.
  • When they turn 18, they are eligible to apply for a GCEFCU credit card so that they can start building their credit early.
  • Teens can follow us on social media by liking our Facebook, Twitter, or Instagram pages.

Easy access to your teen’s account

With you listed as a joint owner, you have easy access to your teen’s account so that you can monitor their spending. You can also easily transfer money into their account using online banking from your mobile phone or computer.

Open a Student Checking Account

Terms & Conditions

Youth Savings Accounts: Must be opened by a parent or legal guardian. Parent or guardian must be listed as a joint owner on the account.

Student Checking Account: Must be between ages 13 – 17 to qualify for a Student Checking Account. Parent or guardian must be listed as a joint owner on the account. ATM/Debit Card Velocity limits: $250 cash, $500 debit, $500 credit. Once the member turns 18 they may request that their account be changed to a regular checking account with regular velocity limits. In order to apply for a GCEFCU credit card once the member turns 18, they must submit a credit card application and meet minimum credit check standards and/or have a parental co-signer.

Deposit Match: Smart Start Checking: Must open a new Student Checking account and savings account between November 1st, 2024 – December 31st, 2024, using the promo code SMARTSTART. Parent or guardian must be listed as a joint owner on the students account. We will match a total of $25 of the amount you deposit during the promotional period. Must be deposited by the last day of the promotional period to qualify.