Empowering Teens to Build Financial Confidence
Set the foundation for financial independence
United Bank of Union's Teen Difference checking account gives teens ages 13-17* a safe, supportive way to start managing their own money. Account holders gain real-world experience, build confidence, and learn habits that stick - all with the backing of a bank that's rooted right here in their community.
From everyday purchasing power to setting savings goals, teens can take charge of their financial independence. With debit card access, mobile and online banking, real-time transaction alerts, and customizable spending limits, they're in control.
With Teen Difference, you get:
Simple & secure digital banking
Our mobile and online banking platform make managing money simple and safe. Teens can easily check their balances, keep an eye on their transactions, and move money whenever they need to. UBU's strong security features keep their accounts and personal information safe.
ATM & Debit Card available**
With adult approval, teens can get their own debit card which they can use online, in-store, or at thousands of surcharge-free ATMs nationwide through the MoneyPass® network. Plus, teens can add their card to their mobile wallet and connect with apps like Venmo® or Cash App® for more convenience.
Helpful Tools That Teach smart money habits
With Debit Card Controls teens have instant power to turn their card on or off, set limits on where and how they spend, and receive real-time alerts to stay informed about every purchase. Financial Tools help teens set budgets and track spending across categories like food or entertainment, and see the big picture with trends and cash flow insights. These features make managing money clearer and more accessible.
Additional Details:
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Earns interest
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No minimum balance requirement
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$25 minimum deposit to open
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No check writing
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No overdraft protection
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e-Statements required
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$10 deposit match after 60 days
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Up to $18 in foreign ATM fees refunded each statement cycle***
Ready to empower your teen's financial future?
Open an account at any UBU branch or call 636-583-2555 to schedule an appointment today.
To open a Teen Difference account, please bring:
- Birth Certificate AND Social Security Card
- OR one of the following:
- State ID
- Driver's License
- Passport
Questions?
Call 636-583-2555 or click the Let's talk! chat bubble in the lower right corner of your screen to communicate with a UBU Customer Contact Specialist.
*Account holder must be between the ages of 13-17 and have signature of a person age 18 or older to open account. Account reclassified to College Checking when account holder reaches age 18.
**Must have signature of a person age 18 or older to obtain a Debit or ATM card.
***Must have at least one posted deposit per statement cycle and access online banking at least once per statement cycle to receive.