Free Checking
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Introducing You First Checking for Teens and Young Adults
You First Checking for Teens and Young Adults is the ultimate free checking account from 1st University Credit Union. Designed with you in mind, this checking account offers a range of special features tailored to the needs of members who are fourteen to twenty-two years old.
Say goodbye to monthly fees and an opening balance requirement. With You First Checking for Teens and Young Adults, you can open your free checking account with $0 and you will not be charged a monthly service fee.
You’ll enjoy free services each month, cash back rewards, early payday access, free online banking and mobile app, free mobile deposits, free ATMs nationwide, a debit card that is mobile wallet compatible, and overdraft protection for peace of mind. And you’ll rest easy knowing your funds are insured by NCUA.
You First Checking also provides special features for members who are 23 through 64 years old, members 65 and over, and those needing to rebuild their financial standing.
Open your account today and experience banking that puts YOU first.
CHECK OUT THESE GREAT FEATURES OF OUr free CHECKING FOR teens and young adults.
Zero opening balance: Start your banking relationship hassle-free with no minimum deposit requirement.
No monthly fees: Enjoy the freedom of unlimited transactions without worrying about a monthly service charge.
Cash back rewards of $10 per month: Earn up to $120 a year extra cash by simply using your You First Checking debit card regularly¹.
Free services: Each month we will waive the fee so you can enjoy a variety of services at no charge².
1. The monthly reward is earned after 30 debit POS purchases finalize in a statement cycle. Purchases in a pending status at the close of the cycle will rollover to the following month. Some months the statement cycle will be different than the calendar month.
2. The first eligible fee that is incurred each statement cycle will be forgiven/waived. Eligible fees include foreign ATM fee, cashier’s check, money order, and ODP transfer. A "foreign" ATM is any ATM that is not owned by 1st UCU or CO-OP.
3. Charges made with your digital wallet apply to your monthly POS purchases.
4. Direct deposit and early payment of funds are subject to timing of originator funding.
5. Minimum age for overdraft protection is 18 years old. Other qualifications and fees may apply.
Free mobile wallet: Use your debit card with the wallet of your choice: Apple Pay, Google Pay, Samsung Pay³.
Early payday: Receive your direct deposit up to two days in advance⁴.
Overdraft protection: We’ve got you covered with overdraft protection options to prevent unexpected expenses from causing unnecessary stress⁵.
Free ATM access: Access your funds anytime, anywhere through our extensive network of ATMs without any fees.
Free online banking and mobile app: Take control of your finances on-the-go with our intuitive online banking platform and user-friendly app at no additional cost.
Free eStatements: Receive and store your monthly statements in your secure online banking account.
Free mobile deposit: Deposit checks conveniently using your mobile device without stepping foot in a branch or paying any fees.
Insured by NCUA: Rest assured knowing that your You First Checking account is federally insured by the National Credit Union Administration (NCUA) for up to $250,000 per depositor, providing an extra layer of security for your hard-earned money.
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Current members can refer a friend and they can both earn $50. LEARN MORE.
Ways To Pay
Mastercard®️ Debit Card
Our Mastercard chip-enabled debit card is the ultimate convenience for all checking account holders. With this card, you have the power to customize your PIN, ensuring security and peace of mind with every transaction. Whether you're making purchases in-store or withdrawing cash from ATMs, our debit card provides seamless usability wherever you go.
As a member of the CO-OP ATM network, you can access over 30,000 ATMs worldwide without incurring any fees, making it easier than ever to manage your finances on the go. Plus, our debit card seamlessly integrates with popular person-to-person apps like Venmo and Zelle, and mobile wallets like Apple Pay, Google Pay, and Samsung Pay, adding an extra layer of convenience and security to your digital transactions.
Checks
Even in today's digital age, checks remain a vital tool for many individuals. Here are just a few reasons to consider ordering checks:
Checks offer a secure way to make payments, with each transaction leaving a paper trail that can be easily tracked and verified.
Personalized checks allow you to add your unique touch to your payments, whether it's through custom designs, logos, or personal messages.
Checks are widely accepted by businesses and individuals alike, making them a universally recognized form of payment.
Whether it's for security, convenience, record-keeping, or to showcase your individuality, checks remain an essential part of modern financial transactions.
Your initial book of checks must be ordered by a member services representative. After that, you have the option of ordering checks directly from Main Street.
Officially licensed collegiate checks are available through Main Street
Legacy members may continue to reorder checks from Harland Clarke.
Mastercard,Venmo, Zelle, Apple Pay, Google Pay, and Samsung Pay are trademarks of their respective owners.