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Teen Checking

Teen Checking

Learning Money Skills for Life.

Banking Built for Teens

Designed for ages 13–17, Teen Checking makes everyday money management simple and safe. With digital tools, debit card access, and co-ownership by a parent or guardian, teens can gain experience and confidence with their finances.

Account Features

  • No monthly service charge
  • Free digital banking
  • Free access to HCB Money Manager

Parental Features

  • Set card limits and customize controls in the mobile banking app
  • View your teen’s account activity anytime through the mobile banking app
  • 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.