The Youth Debit Mastercard1 gives teens 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 28,000 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.

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 Fee-free transactions at SchoolsFirst FCU and CO-OP Network ATMs. Transactions at other ATMs incur a $1fee per transaction, and you may be charged a fee by the ATM owner or operator.

3 Data and text charges may apply. Check with your mobile provider.
eDeposit is only available to Varsity Account Youth Members, ages 16-17.

Refer Family or Friends

Invite your immediate family and eligible colleagues to join SchoolsFirst Federal Credit Union!

Not a Member?

Joining SchoolsFirst FCU is quick and easy. Apply for Membership today.