TEEN SAVINGS & CHECKING ACCOUNT

Banking Just for Teens

A real account built for Maui teens 13–17 with a free debit card that can be easily added to a mobile wallet and an app to track every dollar saved and spent. Plus, members receive $50* for referring a new Teen member who opens a savings and checking account.

MEMBER REFERRAL OFFER · JULY 1 – SEPTEMBER 30, 2026
Know a teen who wants to start banking?
Earn $50* for the introduction.

When you refer a brand-new member who opens a Teen Savings and Checking Account, you get $50* deposited right into your account. Offer runs through September 30, 2026.

Come in with your teen to open a Teen Savings and Checking Account as a brand-new MCFCU member.
+ You receive a $50* deposited directly to your account the following month. Simple as that.
Whether they just landed their first job, receive an allowance, or are saving toward something big — a Teen account helps them build smart money habits now that will follow them for life. And unlike prepaid cards or apps, this is a real savings and checking account just for teens that can grow with them.
💳 Free Debit Card Tap, swipe, or add to your mobile wallet

📱Mobile App Access Check balances, track spending and set alerts anytime

📲 Mobile Wallet Ready Add debit card to Apply Pay, Google Pay or Samsung Pay

💸 Direct Deposit Get your paycheck deposited automatically

📈 Earn interest Grow your savings by earning interest on balances over $100

WHY A TEEN ACCOUNT

An Account Just for Maui Teens

Everything a teen needs to start managing money confidently, securely, and conveniently all from their smart phone.

READY TO START?

Open a Teen Account this summer

Stop by any MCFCU branch in Kahului, Lahaina or Wailuku — or start online. Bring a parent or guardian with teen's birth certificate and Social Security card, and $30 to open. That's it.

Open Online Schedule Appointment

* Offer valid July 1–September 30, 2026 for new Teen Accounts opened with a Checking Account. Minimum opening Teen Savings deposit of $5 and Checking Account deposit of $25 required. Interest earned on savings balances over $100. $50 referral bonus credited to the referring member's account upon qualifying new Teen Savings and Checking Account opening in the month following Teen Savings and Checking Account opening. Teen must be a brand-new credit union member with no prior accounts. One bonus per qualifying referral. Referring member must be in good standing. Offer subject to change without notice.