More independence. More confidence. Less asking Mom for money.
Growing up comes with a lot of firsts. First job. First time managing money. First taste of independence.
An ElecTel Youth Debit Card gives teens ages 12 and older a safe, practical way to learn real-world money skills while giving parents confidence every step of the way.
Get the freedom to spend responsibly—with guidance from the people who care most.
A Better Way to Learn Money Management
Learning how to manage money shouldn’t start after high school—it starts with everyday moments.
Whether it’s buying lunch with friends, paying for gas, or spending money from a first paycheck, a Youth Debit Card helps teens build healthy financial habits they’ll use for years to come.
With ElecTel, families get the best of both worlds:
- A safe introduction to spending
- Real-life financial experience
- The confidence that comes with learning by doing
Built for Parents. Exciting for Teens.
Parents Love It Because…
- It encourages responsible spending.
- It helps teach smart financial habits.
- Spending limits provide added peace of mind.
- It opens the door to important conversations about budgeting and saving.
Teens Love It Because…
- More independence.
- Less carrying cash.
- Easy purchases online and in stores.
- A real debit card that grows with them.
Ready for Their First Debit Card?
If your child is at least 12 years old, they’re ready to take the next step toward financial independence.
Visit a branch or contact our Member Service team to open a Youth Account and get started today.
Frequently Asked Questions
Youth members who are at least 12 years old can open a Youth Account with a joint owner who is at least 18 years old.
Yes. A joint owner who is at least 18 years old is required when the account is opened.
Youth debit cards typically have purchase limits of $100 per day and ATM withdrawal limits of $50 per day. Additional options may be available by contacting Member Services.
Once the youth account holder turns 18, the joint owner may request in writing to be removed from the account.
We may offer a Youth Account to members who are at least 12 years old. The account must be opened with a joint owner who is at least 18 years old. The joint owner is responsible for any returned items, negative balances, unpaid fees, or other amounts owed on the account. Standard Youth Account debit card limits are typically $100 for purchases and $50 for ATM cash withdrawals. Additional options may be available. Contact our Member Service team for complete details. Federally insured by NCUA.
