Free. Secure. Easy banking for your teen.
The Patelco Student Checking account (for ages 13-17) comes with a free Debit Mastercard® card that makes it easy for your teen to pay for movies, lunch, or boba while hanging out with friends.
Our top-rated Mobile App lets your teen stay on top of their finances on the go.
Allowing teens to manage their own money creates opportunities to teach good money habits and responsibilities.
We highly recommend that you and your teen meet with a Patelco team member to open their first checking account. You can meet online via Zoom or visit a branch near you.
Product Benefits
Debit Mastercard® Card
$200 limit on debit card transactions and $100 limit on daily ATM withdrawals
Easy Money Transfers
Instant transfer from parent’s Patelco account or link to external account
Top-rated Mobile App1
Access your accounts on the go
30,000+ Fee-free ATMs
Find one near you
Virtual Financial Mentor
Check out special courses just for youth, including Banzai Junior and Banzai Teen
Financial Partner for Life
When your teen turns 18, easily convert to a regular free checking account
Frequently Asked Questions
Your Patelco checking account comes with a free Debit Mastercard® that lets you make purchases easily and securely:
- Secure, contactless purchases with Debit Mastercard
- Load your card to Apple Pay®, Google Pay®, or Samsung Pay®
- Zero Liability and Extended Warranty on purchases
- Mastercard Global Service™ emergency card replacement
- Overdraft link to a Patelco Savings or Money Market account and pay no fees
Money Smarts for Teens
November 8, 2019
Thinking about an allowance for kids? Get tips from the experts at Patelco on how to choose the method that is right for you and your family to create good money habits.
October 11, 2019
On a budget and wondering how to help your kids thrive this summer? Find activities and advice for a having a fun, engaging summer with your family.
November 8, 2019
Stressing about the expense of college or career training. Find sources of scholarships for high school students to help you achieve your education goals.

1 Over 22,000 five-star ratings on the App Store.
Mastercard and Mastercard Global Service are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated.