Young Adult Checking Account


Special perks, especially for members ages 14 through 25.

“Free” just might be a student’s favorite word. So the SEFCU Young Adult Checking Account sets students up with free checking, free ATMs*, and free mobile and online services.


Features and Benefits

Perfect for eligible students

  • We’ll make the $1 minimum deposit to open
  • Free online, mobile, and Text Banking
  • Free account transfer options
  • Free SEFCU Debit Mastercard® 
  • 85,000+ free ATMs*, including Allpoint® network ATMs (in CVS®, Walgreens®, Speedway®, and Target®, plus locations across the U.S., Canada, Mexico, Puerto Rico, Australia, and United Kingdom) and CO-OP Network ATMs
  • We don’t charge members for using non-SEFCU, Allpoint® ATMs or CO-OP Network ATMs (other institutions’ charges may still apply)
  • If your debit card is lost or stolen, notify SEFCU (800-727-3328) and your liability for unauthorized use is $0**
  • Use ClickSWITCH to quickly and easily switch Direct Deposits and automatic bill payments!


SEFCU is conveniently located right on campus. Find out how we can serve your banking needs!

Fees & Rates

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield***
$0.00 0.00% 0.00%



See which account is best for you

Young Adult Checking

  • Branches on five college campuses
  • Free mobile/online services
  • Free remote deposit
  • Free Debit Mastercard®
  • Free ATMs, beyond SEFCU and Allpoint*


Really Free  Checking

  • Great for most members
  • 50 branches across our communities
  • Free mobile/online services
  • Free remote deposit
  • Free Debit Mastercard®
  • Free SEFCU and Allpoint® ATM access

Learn More

Apply Now

Open a Young Adult Checking account today!

Current SEFCU member?

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Not a member?


Young Adult Checking

Special perks for students

Free mobile and online services

Fee-free ATMs*

Open Today

View Young Adult Checking

More to think about...

* Members are not required to pay a fee at Allpoint and CO-OP ATMs. If a charge screen appears during your Allpoint ATM transaction, enter “yes” to accept the charge and proceed with your withdrawal. The additional fee will not be deducted from your account. The savings can be $3 or more per transaction. Please note, at international Allpoint and CO-OP ATMs, you will still be responsible for any Foreign Currency transaction fees charged by Mastercard® or Visa®. 
See for details.
**Items returned unpaid (e.g., checks, ACH, bill payments) that are re-presented again for payment will be charged additional insufficient funds fees if available funds in your account are still insufficient when re-presented.
*** Annual Percentage Yield. Minimum average daily balance to obtain APY is $250. Rate and APY are variable and are subject to change after the account is opened. APY is accurate as of today - February 2, 2023. Fees may reduce earnings.