The Youth Debit Mastercard1 gives teens who are 13-17 a way to pay that's safer than carrying cash, and parents a way to maintain control over spending. Think of it as training wheels for learning how to manage money.

As teens, they're learning responsibility

  • Make purchases online and in-store anywhere Mastercard is accepted.
  • Get free access to over 30,000 ATMs — more than most major banks — through the CO-OP Network of credit union ATMs.2
  • Receive text alerts to help keep track of spending.3
  • Feel confident with zero liability for fraudulent transactions.
  • Use free Online and Mobile Banking.3
  • Use eDeposit to deposit checks with a mobile device.4​

As a parent, you get peace of mind

  • Transfer money to your teen's account anytime by phone, Online Banking or Mobile Banking.
  • Monitor spending with email or text alerts.
  • Set spending limits and temporarily block card use if you need to.
  • Teach your teen how to only spend the cash they have (instead of borrowing on credit cards).
  • Protect your good credit by avoiding the risk of credit card misuse.
  • Pay no monthly or transaction fees.


Call (800) 462-8328

Monday through Friday, 7 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.




The Youth Debit Share does not offer check-writing privileges.

  1. Youth Debit Share and Youth Debit Mastercard available to Members age 13-17 with valid ID and email address. Youth Debit Share requires: 1) a parent/legal guardian to be a joint owner on all shares on the account; and 2) a $25 minimum deposit to open the Youth Debit Share. eStatements and eNotices included. Subject to ChexSystems review. Minors age 0-12 may establish a Junior Varsity account (with parent/legal guardian as joint owner on all shares on the account), but are not eligible for the Youth Debit Share and Youth Debit Mastercard.
  2. $1 charge per withdrawal for non-SchoolsFirst FCU/CO-OP Network ATMs. Other financial institutions or merchants may charge for use of their ATM or POS terminal.
  3. Data and text charges may apply. Check with your mobile provider.
  4. eDeposit is only available to Varsity Account Youth Members, ages 16-17.

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