Teen Checking

Every teenager wants more freedom. Give your teen the freedom to build positive money habits while you keep an eye on their spending using parental controls.

Financial Success Starts Here

Enjoy peace of mind while your teen enjoys a little more responsibility. That's what we call a parenting win.

No Monthly Service Fees

No Minimum Balance Required

Free Visa® debit card

Access to 55,000+ free ATMs

Mobile banking app with mobile deposit

Online banking and bill pay

Free eStatements

Get paid up to two days earlier with Forward Pay

Overdraft Privilege is not available for this account. Zelle: The “Send Money with Zelle®” (person-to-person transfers) feature is not available for this account. Account Ownership: Teen Checking is a joint account owned by 2 people, a parent or legal guardian being one of the joint owners. All deposits made into the account are owned by both people. Visa® Debit Card: The daily Point of Sale (POS) limit is $250 and $100 for ATM withdrawal. 

*Account must remain active to receive 1.01% APY (Annual Percentage Yield). Active is defined as direct deposit of payroll, SSI, or other income and 10 electronic debit transactions, including ACH debits, debit card point-of-sale, and BillPay per monthly statement cycle. Rates are calculated on a daily balance method. Minimum $10 to open. Fees may reduce earnings. Rate is effective as of 9/07/2023. Rates are variable and are subject to change at the bank’s discretion. 

**All Teen Checking account holders will be reimbursed up to $25.00 per month for fees incurred using out-of-network ATMs. This includes up to $10 per month in foreign ATM fees imposed by BayFirst and up to $15 per month in additional surcharges imposed by the ATM’s bank or owner. Reimbursements will be made automatically at the end of each monthly statement cycle. 

© BayFirst National Bank September 2023