Why should you get your teen a debit card?
They feel more independent, and you look like a rock star. When you show your teen that you trust them with their money, you open a world of possibilities while preparing them for adulthood.
- Instead of always asking you for money, they’ll learn to budget their spending.
- You’ll have plenty of hands-on teaching moments to help them build financial understanding.
- In an ideal world, you might even get a surprise treat to coffee now and then!
Real-Time Parental Controls for Peace of Mind
Safety and Customization
The OneAZ kids’ debit card1 with parental controls gives families the perfect balance between independence and oversight. Parents can easily set daily or weekly spending limits through the OneAZ Mobile Banking app or Online Banking. Whether you want to cap spending for meals, gas, or weekend outings, it’s simple to adjust limits anytime as your teen learns responsible habits.
Stay informed with instant alerts every time your teen uses their card. Notifications appear in real time, so you’ll always know when and where purchases happen. It’s an easy way to keep an eye on activity while reinforcing trust and accountability.
If the card is ever lost or misused, the Quick Lock feature allows you to freeze or unfreeze it instantly right from your phone. No waiting on customer service or worrying about unauthorized charges, just instant control and peace of mind for both you and your teen.
Educational Value
A OneAZ debit card for teens is more than just a way to spend; it’s a powerful learning tool. Within their youth debit account, teens gain hands-on experience managing real money in a safe, supervised setting. They’ll learn to track spending, set savings goals, and make thoughtful choices with guidance from you along the way.
These lessons build a strong foundation for adulthood, helping them grow into financially capable and confident individuals.
Save
Learning to save money early can help teens become more responsible with their money and develop confidence in their financial skills.
- They’ll save more money with no monthly maintenance fees
- They’ll have more ownership in how they spend their savings
- They can set savings goals in the OneAZ Mobile Banking app
- They can learn about financial concepts like interest rates
Spend
A OneAZ Teen Debit Account allows teens independence in managing their money while encouraging healthy spending habits that will help prepare them for adulthood. Parents will also monitor the account so you can guide them on their financial journey.
- They’ll love tracking their spending with our easy-to-use mobile app
- They can easily access cash with over 41,000 fee-free ATMs nationally
- They can deposit their allowance or part-time job payment via direct deposit
Your Teen’s Debit Card Includes a OneAZ Free Checking Account
Every OneAZ Teen Debit Card comes with a Free Checking Account, making it easy for teens to manage deposits, withdrawals, and savings all in one place. Now, your teen can handle their finances confidently - with you as their safety net.
13+
Teen is the primary account holder
No monthly maintenance fees
Start the Weekend Early with Early Pay2
over 41,000 fee-free ATMs nationally
OneAZ Mobile Banking App
Eligibility and How to Open Your Account
Opening a OneAZ youth debit account is simple. Both the teen and a parent or guardian must visit a local branch together with the required documentation. Our team will walk you through every step, making the process quick, friendly, and stress-free.
What to bring when opening an account:
For Parents:
- State-issued ID
- Social Security Number
- Proof of Residency
For Teens:
- Student ID or state-issued ID
- Social Security Number or Tax Identification Number (TIN)
Open an account at your local branch today!
Visit OneAZ Credit Union Today and Help Your Teen Build Smart Money Habits
Start your teen’s financial journey with a trusted Arizona partner that believes in financial education for every generation. Visit your local branch today to open an account and empower your teen with tools that make saving, spending, and learning simple with the safety and flexibility that only OneAZ can provide.
The Best Tips for Opening a Checking Account for Your Kids
Helping your child or teenager open a bank account before they turn 18 provides them with a jumpstart to financial responsibility.
Keep ReadingDirect Deposit Into a Savings Account vs. Checking in Arizona
Most employers allow you to direct deposit your paycheck into a checking or savings account, or to split your paycheck between both checking and savings accounts.
Keep Reading5 Tips for Getting the Most Out of Your Checking Account
These checking account features, tips and tricks will help you bank smarter and more efficiently.
Keep ReadingRates as of January 1, 2026.
If funds from a paycheck are not available early to you, it may be due to one of the following: (i) You do not have a consumer checking account (you only have a savings or business account with the Credit Union), (ii) You did not sign up for direct deposit, (iii) It has not been 1-2 pay periods, which is needed for the Early Pay service to begin, (iv) Direct deposits are not made in your name or in the name of a signee on your checking account, (v) We cannot verify your employer/payor, (vi) Your employer/payor did not notify us of the deposit 1-2 days early.
