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

Credit Card Icon.

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

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Top-rated Mobile App1

Access your accounts on the go


30,000+ Fee-free ATMs

Find one near you

A Patelco member works with a Banzai financial planning coach.

Virtual Financial Mentor

Check out special courses just for youth, including Banzai Junior and Banzai Teen

Hands holding up money that's earning interest.

Financial Partner for Life

When your teen turns 18, easily convert to a regular free checking account

Frequently Asked Questions

Pay with Confidence 

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
A man gets ready to pay for a purchase with the Patelco debit card.

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.

A teenager holds on to a skateboard as he crosses the street.
Start your teen on the path of lifelong financial success
Meet online or at a local branch to open a free Student Checking account.

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.