Youth Accounts
Building Bright Futures
At EPFCU, we believe that teaching children the value of money and the importance of saving early sets the foundation for a healthy financial future. That's why we offer specially designed accounts for our young members- to help them develop good savings habits in a fun and educational way.
Our youth accounts are perfect for children and grandchildren aged 12 and younger. You only need a minimum of $5 to open a youth account. Starting small is okay- every little bit saved counts!
Why Start Saving Young?
Help them build a brighter financial future - one step at a time.
Our youth accounts are designed to teach children the importance of saving and responsible money management early on.
Here's what makes our youth accounts special:
Affordable & Easy: Open an account for just $5 - available for children aged 12 and under.
Seamless Transition: When they turn 13, the account automatically becomes a regular savings account with a minimum balance of $25.
In-House Debit Cards: Once they transition to a regular account, they can open a checking account and get a debit card. Debit cards are issued the same day right here in our office!
Cashless Convenience: Many venues and events now operate cashless, from amusement parks to concerts and festivals. Giving your child a debit card ensures they can enjoy these experiences without the need for cash. With your approval and understanding of liability, they'll have a safe, easy way to access funds wherever accepted, making their outings smoother and more enjoyable.
Set them up for success - start saving early and open doors to endless possibilities.
Free Mobile Access
Our free mobile app gives you quick access to account information and uses your device's built-in functions to provide a better banking experience while you’re on the go.
- Access your account balances and history.
- Deposit a check remotely.
- Find an ATM.
- Apply for a loan.
The app is available in the Apple Store for iPhone and Google Play for Android.
Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.
Note: Must be 13 years or older to access the mobile app.
Overdraft Protection
Free Automatic Overdraft Transfer
As a valued member with a checking account, you automatically receive our free overdraft protection service. If you have funds in your savings account, we will automatically transfer funds to your checking account to cover any transactions that exceed your available balance. This helps you avoid bounced checks and merchant penalties without any extra cost.
Overdraft Loan Option
For additional peace of mind, you can apply for an overdraft loan. By linking your checking account to an overdraft loan, the credit union will automatically draw funds to cover transactions when your checking balance falls short. This option is often more cost effective than traditional overdraft fees, as you only pay interest on the amount borrowed. Protect your accounts and avoid costly fees with this flexible borrowing solution.
Direct Deposit
The convenient and safe way to get paid. We want to make your banking life as easy as possible, that’s why we accept payroll, retirement, government, child support and investment checks in the form of direct deposit. If you would like to receive your paycheck without having to deal with the hassle of coming into the credit union, check with your employer to see if they offer direct deposit.