Launch Account

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No-Fee Accounts for Teens

Our Launch Account is a fee-free checking account designed exclusively for teens ages 14-17. It’s a secure option that provides freedom for teens to take charge, while ensuring peace of mind for parents.

There’s no overdraft, which means no way to overspend and no surprise fees. If you try to make a purchase without enough money in your account, the transaction is simply declined.

  • No monthly fees or penalty fees
  • No minimum balance requirements
  • No paper checks
  • No risk of overdraft
  • No joint account holder
  • Free debit card

How to Apply

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 should bring some money to put in your new account.
  • You will need to bring a driver’s license, passport or state ID in order to open your account. (Learn how obtain a state ID here.)

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Have Questions or Need Help? 

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Father and son talking finances and the checking account options available at UWCU.


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Smart Spending for Teens

We created our Launch Account to help teens safely learn money management. Check out features that both teens and parents love:

  • No joint account holder - Launch is for teens who are ready for an independent account. If you prefer a joint account, our Rewards Checking and Clear Account both offer joint options that parents/guardians can share with minors as young as 10 years old.
  • Spend only what you have - No overdraft means that if you don’t have sufficient funds to make a purchase, the transaction is declined, so your account shouldn’t go negative and you won’t incur overdraft fees.
  • No paper checks - There are no paper checks to manage. Instead, use free online Web Pay and Zelle® to make payments.
  • Get ready for what's next - When you turn 18, you can upgrade to your choice of Rewards Checking or our Clear Account.


Account & Card Security

Keep your finances safe and feel secure when you use your debit card.

  • Lock and unlock your card
  • Opt in for account alerts
  • Get a detailed history

Learn about account and card security >

Online & Mobile Banking

Access your account whenever and wherever for the ultimate convenience.

  • View balances and transactions
  • Send money to friends
  • Deposit checks in a snap

Learn about our digital banking features >