Built for Teens. Trusted by Parents.
SmartStart helps teens learn financial basics with powerful digital banking tools built for them.
Banking Designed for Teens
From a first paycheck to filling up the tank in their first car, First Commerce Credit Union is here for every big money moment in a teen’s life.
SmartStart Teen Checking is a simple, secure checking account for teens ages 13–17. With no monthly fees, robust mobile banking tools, and free financial education resources, teens can start building strong money habits from day one.
Instant-Issue Debit Card
Perfect for Depositing First Paychecks
No Monthly Fees
Mobile Wallet
Safely Learn Financial Independence
Teaches Responsibility Through Ownership
Start Your Financial Journey Today
Contact our team to open your SmartStart Teen Checking account and start building smart money habits today.
Peace of Mind for Parents. Financial Freedom for Teens.
✓ Check balances and transactions
✓ Easy money transfers
✓ Age-appropriate money lessons
✓ Set savings goals
✓ Designed for teens ages 13–17
✓ Minimum opening deposit of $25
✓ Financial guidance from FCCU
✓ Parent or guardian co-signer required
Open your SmartStart Account in 3 easy steps.
Visit a First Commerce financial center with a parent or guardian co-signer
Bring your birth certificate or government-issued ID and SSN
Open your account and start banking smarter today!
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What is SmartStart Teen Checking?
SmartStart Teen Checking is a checking account designed for teens ages 13-17 to help build smart money habits with dynamic digital banking tools and financial education resources.
Is a co-signer required?
Opening a SmartStart Teen Checking Account requires a Share Savings Account, which does require a co-signer.
What documents are needed to open the account?
To open a SmartStart Teen Checking account, you need:
A birth certificate or government-issued photo ID
Social Security Number
Please contact FCCU for full account opening requirements.
Who can open a SmartStart Teen Checking Account?
Teens between the ages of 13 and 17 are eligible to open a SmartStart Teen Checking Account.
Is there a monthly fee?
No. StartStart Teen Checking has no monthly fees.
What is the Minimum Opening Deposit?
A minimum opening deposit of $25 is required to open the account.
What financial education resources will I have access to?
SmartStart includes free access to SmartMoney Online powered by Enrich. It’s First Commerce’s free library of financial education courses to help teens and adults learn budgeting, saving, and smart spending habits.
Minimum opening deposit for SmartStart Teen Checking is $25. No minimum balance required. Members must be 13-17 years of age to open a SmartStart account. There may be out-of-network or third- party fees associated with ATM transactions. Members may make up to four (4) free non-First Commerce Credit Union ATM withdrawals per month after which there is a fee for additional withdrawals at non-FCCU ATMs. For complete terms & conditions, call 850.488.0035 or 1.800.533.5772, or visit one of our locations. Insured by NCUA.
