Launch Account

Our Launch Account is a simplified debit account designed especially for 14- to 17-year-olds, with no joint account holder required.


Accounts Just for Teens

For teenagers ages 14-17 who are ready to start managing their finances, our Launch Account is a secure option that provides the freedom to take charge—while ensuring peace of mind for parents.

  • No monthly fee
  • No minimum balance
  • No overdrafts
  • No checks
  • Free debit card
  • Online and mobile banking

Teens, start your application online. Then, visit a branch to finalize your account and pick out your personalized debit card.

  • A parent/guardian does not need to be present when you visit a branch.
  • You will need to know your Social Security number and will need to bring some money to put in your new account.
  • Be sure to bring a driver’s license, passport or state ID. (Learn how obtain a state ID here.)

Open an Account

Teen does homework in her living room.

Spend Only What You Have

The Launch Account has no overdrafts, providing extra security as young spenders learn how to balance their accounts and keep track of their finances.

If you don’t have sufficient funds to make a purchase, the transaction will simply be declined, which means your account shouldn’t go negative and you won’t incur overdraft fees.

Manage Your Money Anywhere

We stay on the cutting edge of online and mobile banking technology, and it’s all included when you open your Launch Account:

  • Download our Mobile AppCheck your account balance, make person-to-person transfers, sign up for Notifications to receive account alerts, deposit checks instantly with Mobile Deposit, and much more.
  • Log on to Web BranchFor secure desktop access, Web Branch is available with all the same features available on our Mobile App.
  • Link to your Mobile WalletUW Credit Union accounts are compatible with Apple Pay, Samsung Pay and Google Pay™ for quick and secure payments using your mobile device.
  • Sign up for Direct DepositIf you have a job, you can ask your employer to send your paychecks directly to your account with Direct Deposit.

Plus, we’re serious about security, using safeguards that exceed industry standards including encryption technology, added verification layers and account locking after a set number of login attempts.

Learn More

Take the Next Step

When you turn 18, you’ll have the option to upgrade to either our Rewards Checking or our Clear Account. Both options offer additional features and flexibility and help you transition to greater independence as you enter adulthood.

Explore Personal Accounts

Exclusive Card Designs

Select your favorite card design—you can even show your school spirit with a campus debit card.

Become a Member of UW Credit Union

Joining UW Credit Union is easy. You can become a member based on your location, your job, your school, and even your family members.

Learn more about membership eligibility and what you’ll need to get started.

Join Today