OneAZ Credit Union

Upcoming Holiday Hours: Monday, May 25th - OneAZ Credit Union will be closed in observance of Memorial Day.

Teen Debit Card – Smart Banking for Teens

Open a teen debit card1 with a free checking account to build smart money habits.

Schedule an Appointment

Teen Debit Card – Smart Banking for Teens
debit card icon

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!
Shutterstock 2149546553

Financial Independence Starts Here

A OneAZ Teen Debit Card is a practical tool for learning real-world money management. Teens gain hands-on experience by managing their own balance in a supervised environment.

Using the OneAZ Mobile Banking app, you and your teen can work together to build responsible habits:

Set Boundaries: Customize spending limits per transaction or per month.
Track Activity: Set up instant alerts to see when and where the card is used.
Instant Security: Freeze and unfreeze a lost or misplaced card immediately within the app.
Reach Goals: Use digital tools to track spending and save for future milestones.

piggy bank icon 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

cash icon 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.

  • 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

pay day icon

Start the Weekend Early with Early Pay2

atm icon

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!

Schedule an Appointment

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 Reading

Direct 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 Reading

5 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 Reading
Back to Top   

Rates as of May 1, 2026.

1Teen Debit Account Disclosure – Checking is free of monthly maintenance fees and minimum balance requirements. Other fees may apply. For complete terms and conditions, refer to the fee schedule and Electronic Services Agreement and Disclosure found in the Membership Account Agreement. .Courtesy Pay/overdraft coverage not available on account. Parent or Guardian required as joint owner. Teen Free Checking with Visa Debit Card is for individuals 13-17 years of age. Account is not eligible for any other promotion or offer.
1Early Pay Disclosure: Early Pay is a service offered to you (the Member) if you are a consumer (not a business) who has a checking account with the Credit Union and receive your paycheck through direct deposit. You may be automatically enrolled in Early Pay after 2-3 pay periods. The Credit Union will make your payroll funds available as soon as your verified employer/payor notifies the Credit Union of the payment, which can be 1-2 days before most financial institutions make the funds available. If there is a weekend or bank holiday, Early Pay will post on the next business day after the weekend or bank holiday. Employers/payors must be verified by the Credit Union. If they cannot be verified, the Credit Union will not make the payment available early. You will receive a notification of the payment and the available funds will be indicated in online or mobile banking.

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.
OneAZ's mission

Our success is measured only by yours.