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Student Free Checking PLUS+

Teens can prepare for real-world money matters

This student checking account makes the grade

Just for teens

Members ages 13 to 17 can open this account, which includes a Visa® debit card.*

Easy access to cash

Use 30,000 surcharge-free ATMs** nationwide and more than 5,600 Shared Branches.

Early Deposit™

Get your paycheck deposited up to two days early.

Earn up to 3.00% APY1

Your account balance continues to grow at a solid rate.

Receive ATM fee refunds2

You'll get up to $20 back each month in fees if you use non-Point Breeze Credit Union ATMs.

Qualify easily3

Make 12 debit transactions, direct deposit at least $400 and receive eStatements each month.

The first checking account helps build a financial foundation

As a teen, your school days are busy with classes, friends, activities and more. As a parent, you're always focused on your child's education. But financial education is a vital part of the process that sometimes falls through the curriculum cracks. With Point Breeze Credit Union's Student Free Checking PLUS+, parents open this account as a joint owner while teenagers get to learn the ins and outs of managing money every day.

It's the ideal account to help younger members learn about budgeting and saving while monitoring all account activity and taking care of things anytime through our app. And parents, you can always transfer funds into the account for extra money.

Point Breeze Credit Union is a full-service financial institution with locations throughout Maryland.

*Student checking is available for individuals ages 13-17 with an eligible parent or guardian as a joint owner on the account until the individual reaches age 18. See a representative for qualifications.

Identification Required: Students ages 13-17 may provide an unexpired government-issued photo I.D., such as a driver's license or state-issued I.D. card, or two of the following: Birth Certificate, Social Security Card, or Student Identification.

**Some ATM owners may impose a surcharge. Access to surcharge-free CO-OP® Network ATMs available with the Point Breeze Visa® Debit Card only. Surcharge-free means the owners of the physical ATM will not charge a fee, but other fees may apply. Transactions are always free at Point Breeze ATMs when using a Point Breeze ATM or Debit Card. Products subject to change.

Limit one account per member. Products subject to change.

1APY=Annual Percentage Yield. If your account meets all monthly qualifications, you will earn 3.00% APY on balances up to $10,000.00 and 0.10% APY on balances of $10,000.01 and higher. If your account does not meet all monthly qualifications, you will earn 0.05% APY on the entire balance. APY is accurate as of 3/1/2024. Rates are subject to change without notice. Please refer to our Rate & Fee Schedule for additional information.

2We will refund up to $20.00 each month in foreign ATM fees if all monthly qualifications are met. Refunds will be deposited into your account no later than the last day of the next month.

3To earn the higher interest rate(s) and foreign ATM fee refunds, you must receive eStatements, have direct deposit(s) of at least $400 per month and complete a minimum of 12 debit card purchase transactions per month using your Point Breeze Visa® Debit Card. Both PIN and signature point-of-sale transactions qualify. Returns, refunds and ATM transactions do not qualify.