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A Youth Checking Account To Help Build & Establish Credit

It's never too early to open your teen's bank account and help start money management skills. If you are over 18, we have unique benefits to establish and build your credit! 

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Start Your Journey and Start Saving

Our Excel24 Jr. Teen Checking Account will help you learn banking tools and money management to build a strong foundation. Then, take the next step with our Excel24 Youth Checking Account to start establishing and building your credit. Open your Checking Account today!
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Start Them Off Right

Excel24 Jr. Teen Checking Account

Help your teen, between the ages of 13-17 years, build a solid financial foundation with our Excel24 Junior Teen Checking Account. They'll receive a Debit Card and access to our digital banking tools in order to gain the full banking experience. 
  • No Monthly Fees
  • No Minimum Balance
  • Bank Securely
  • Debit Card with Surcharge-Free ATM Access
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Free Debit Card

Teach them responsible card usage. A Debit Card comes with every Excel24 Jr. Teen Checking Account.
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Free Counseling

To get teens started on the right foot, we offer money management and credit counseling provided by our staff.
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Peace of Mind

Access Youth Checking Accounts with our Mobile Banking App and set up alerts, lock debit card and more!
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Establish Your Credit

Excel24 Youth Checking Account

This checking account helps build credit for the average 18-24 year old. We'll help you get started with the right tools to establish and build a strong credit score! Open your account online today.

  • Get Paid One Day Early1
  • Bank Wherever You Are
  • Fraud Monitoring 24/7
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Extra Savings

Receive higher rates on a savings account and a $200 cash rebate when you get your first Auto Loan with us!

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Expert Advice

We'll send you advice and updates on your credit score to keep you on the right track!

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Credit Card Options

We offer Secured Credit Cards to establish credit right away!
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1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the sender.

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Download Your Free Templates

Budgeting Templates That Actually Work!

Our financial experts have created these easy to use budgeting templates to help you achieve your financial goals. Download and get saving!

Which Checking Account is Right For You?

Start your finances off on the right foot with a Young Adult or Teen Checking Account. Establish strong financial habits and build your credit for the first time when you open your Checking Account online today!

Start Your Financial Journey

Excel24 Jr. Teen Checking Account

  • For ages 13-17
  • Parent/Guardian required as joint account holder
  • Daily limits ($500 ATM and $1,000 point of sale)
  • Free Online Banking
  • Free Mobile App banking
  • No monthly fees
  • Access to over 55,000 surcharge-free ATMs
  • Checks available by request
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Establish Your Credit

Excel24 Youth Checking Account

  • For ages 18-24
  • $200 Cash Rebate when you get an Auto Loan with us2
  • 3.00% APY Savings Account rate3
  • Free Online Banking
  • Free Online Bill Pay
  • Free Mobile App banking
  • No monthly fees when requirements are met4
  • Access to over 55,000 surcharge-free ATMs
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2: May not be combined with other promotional rates or rebates.  3: 3.00% APY rate compounded monthly will be paid on balances up to $3,000 if all requirements met. If not met, then basic share rate applies. Above $3,000 rate of 0.2% APY applies.  4: Requirements: direct deposit minimum of $200 per month, use of eservices, and at least three debit card POS transactions each month. See checking disclosures for full account details.

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Wherever You Are

Credit Monitoring and Money Management With Mobile Banking

With Excel24 and Excel24 Jr. Checking Accounts get free access to secure mobile banking. Manage your Finex Credit Union accounts as well as auto pay allowances, track account activities and much more!

  • Control Your Cards

    Enjoy the peace of mind while still giving your kids the freedom to learn money management. Easily lock and secure your misplaced card when needed.

  • Chat With Us

    Chat with our member support team in real-time through the Finex Mobile Banking App. It's safe, secure, and available for you wherever you are!

  • Monitor Your Credit

    Track your credit score quarterly with our Credit Trends Tool. Make informed financial decisions with this secure and private feature right from our app!

    Explore These Features

  • Send Money with Zelle®

    Pay back your friends or cover your portion of the bill quickly and securely with just an email address or U.S. mobile number.

    Explore Zelle®
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What our members are saying...

"I enjoy being a member of the Finex family.  Very friendly respectful.  All members of the team do an excellent job and also helps with many different services. I've been with Finex since it was the first New England excellent and awesome people and service. 5 star and an 10. Love all of them 💙F4L"
Rashelle S.
"The service here is nothing short of spectacular. The staff here are attentive, caring, and most importantly, EFFICIENT!! I’d personally like to mention Evelyn Mena at x118 and Samantha at x127 for their stellar customer service. They were simply AMAZING!!"
Keisha M.
"Ammmaaazzinnngg...I have been a member of Finex Credit Union since 2010 and my experience has been nothing but spectacular. I have worked with Josephine in the loan department on multiple occasions... Thanks Finex and thanks Josephine :) :) :)"
Dev M.
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Your Checking Account Questions, Answered

Frequently Asked Questions

How do I make deposits into an Excel24 Jr. Account?

Just like you would at most financial institutions. Use any of our Finex ATMs, visit our branches, visit any Co-op shared branches, or use our mobile check deposit app. 

What happens if I lose my card?

Report your card lost to our representatives at 860-282-0001 immediately. We can instantly issue a card at our Manchester or East Hartford branch locations.

The first lost card replacement is FREE. If you lose your card more than once, you will be charged $10.00 for each replacement.