Skip Navigation

All HCB locations will be closed Monday, May 25th, in observance of Memorial Day.

FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Teen Checking

Teen Checking

Learning Money Skills for Life.

Banking Built for Teens

Checking accounts are available for teens under 18 with an adult co-owner. Enjoy convenient banking tools while building confidence in managing money.

Features

  • Online and mobile banking access
  • Set balance and transaction alerts
  • Instantly transfer funds to their account when needed

Helpful Links

Teen Checking FAQs

Understanding the Basics

Get to know the features and benefits that make this account a great first step toward financial independence.

How do I open a Teen Checking account?

Visit any HCB branch with a parent or guardian to open an account together. They’ll serve as a joint owner.

Are there any fees or balance requirements?

No monthly service charges and no minimum balance requirements so teens can focus on learning smart money habits, not avoiding fees.

Can teens open a savings account too?

Yes! Pair Teen Checking with our Smart Start Savings account available to anyone under 18. It earns interest, has no monthly service charge, and gives both kids and parents easy access to manage savings and helps build healthy money habits early on.

Learn more about Smart Start Savings

Can parents see transactions and balances?

Absolutely. Both account holders can view activity through HCB’s digital banking tools, making it easy to track spending and deposits in real time.

What happens when a teen turns 18?

When they’re ready, we make it easy to transition to a standard HCB checking account with the same great service and digital tools they’ve already been using.