bank accounts for teens
For ages 13-17. Defy expectations of what a teen can achieve with a SunWest Credit Union bank account that nurtures financial success.
features you can appreciate
success is yours to make
Being a teenager is one of the most formative times in life. A major shift in awareness occurs, working to establish the direction your future will take. Money becomes a real, tangible thing, not just an idea, and it’s important to create the right money mindset early.
Experience the convenience of a savings and checking account with Future Funders. Our banking accounts designed just for teenagers come with some major perks and prepare teens for a healthy financial future. Access financial education and insights directly from our staff who have seen and been through it all.
make your move
Ready to hit the ground running on that financial future with a banking account designed just for teens? Visit any of our branch locations and we’ll get your Future Funders Account all set, so you can take on the world.
what to bring with you
follow for more tips
You're learning to take your finances into your own hands, but that doesn't mean we'll leave you hanging. Our video series, Ask SunWest, covers frequently-asked questions from our members, while our Future Funders blog reveals discussions and tips relevant to your financial situation and questions.
Don't forget to follow us on social media to get the most out of your membership with exclusive contests, prizes, and events.
looking forward
You blink and all of a sudden, 18 is creeping up. This next chapter can be intimidating. That’s why we've made banking with SunWest simple.
Your Future Funders Account will automatically advance to our Journey Account, which was designed specifically for 18-22 year olds ready to taste the sweetness of financial independence.
Future Funders Accounts for Teens FAQ
Does a parent have to be on my account?
Future Funder accounts will require a legal guardian over the age of 18 to be a joint on the account. They can be removed once the primary turns 18 years old.
How do I set up a direct deposit?
Typically, all you need is a direct deposit form from your financial institution that lists their name, routing number, your name, and your account number. To get a direct deposit form for your SunWest account, click here.
What is SunWest’s routing number?
The routing number for SunWest Credit Union is 322172506.
Where can I find my account number?
You can find your checking account number by logging into your account online. Under the section labeled “Accounts”, you will see a line titled “Share Draft Account” and a 6-digit number listed next to it. This is your checking account number. This can also be found on your monthly account statement.
Do I get a debit card when I open my account?
Yup! We print your new debit card as part of our teen checking account opening process, so you’ll walk away with one on the same day.
How do I get a new debit card?
If your debit card is lost or stolen, call us 24/7 at 833.933.1681 to block your card ASAP. For a replacement card, you can either request it be mailed to the address on file or visit any of our branches to have it printed on-site.
How do I set up my online account?
All you need to get started online is your member number and your SSN. From your desktop, visit https://online.mysunwest.com/auth/enrollment.
Can I use Apple Pay, Google Pay, or Samsung Pay?
You betcha! Visit https://www.mysunwest.com/mobile-wallet for more information about Mobile Wallet and how to set up Mobile Wallet for your account.
Why isn’t my check available from a mobile deposit?
Checks deposited via mobile deposit are typically made available within 2-3 business days. However, always check your available balance before attempting to use these funds.
Can I use any ATM?
You can use any ATM that accepts Mastercard©, however, an ATM from a financial institution other than SunWest (foreign ATM) may charge a fee. SunWest partners with the CO-OP Network, as well as Allpoint to give you fee-free options throughout the United States, and even certain international countries.
Does SunWest charge ATM fees?
You will never be charged for using your card at a SunWest ATM, and you can use other ATMs 6 times each month with no fee from us. If you go over that 6, you may see a “Foreign ATM Fee” of $5 on your account. Keep in mind that although SunWest may not charge a fee to use another ATM, the terminal provider may, so it’s important to check before using their ATM.
Can I go negative in my account?
Youth accounts (accounts where the primary owner is a minor) are not eligible for overdraft courtesy. However, due to the nature of preauthorizations and how merchants run transactions, there is a possibility the account could go into the negative. If this happens, the account will not be charged a fee. Any negative balance must be paid back within 30 days, or the account could be subject to closure.
*APY = Annual Percentage Yield.
Savings rate will match current share rates after the first $1,000. Please see a representative for complete details and disclosures. Terms and conditions are subject to change.
