Skip to main content

Young Adult Smart Checking

Start managing your money with confidence.

Smart Checking for Ages 15–24, Built for What’s Next

Our Smart Checking account gives you everything from our standard checking, but tailored specifically for teens and young adults who are just starting to take control of their finances. Whether you're working your first job, heading off to college, or simply learning how to budget, this account gives you the tools you need to bank confidently and independently. With no monthly fees, modern features, and safety nets like Overdraft Forgiveness, it's designed to help you build smart habits

Here’s what you get:

  • Keep more of your money: $0 monthly fee, so you can focus on saving, not paying.1
  • Access your cash anywhere: Enjoy more than 30,000 fee‑free ATMs nationwide.
  • Get paid sooner: With Early Pay, you can access your direct deposit up to two days early.2
  • Stay in control: Advanced Card Controls let you block fraud, set spending limits, or turn your card on/off in real time.
  • We’ve got your back: Overdraft Forgiveness helps protect you from one-time slip-ups.3
  • No surprises: No NSF or overdraft transfer fees, so small mistakes don’t turn into big costs.

Why it matters

Learning to manage your money comes with bumps along the way. With tools like Overdraft Forgiveness and no hidden fees, small missteps won’t cost you. Instead of penalties, you get second chances, so you can build confidence, develop smart money habits, and focus on your goals without the stress of unexpected charges.

Looking ahead

As you grow, we grow with you. We’re here to help you take the next step in your financial journey. In addition to your Smart Checking account, we offer lending solutions such as auto loans, student loan refinancing, and personal loans. These options are designed to help you move forward with confidence. Whether you're financing your first car or managing surprise expenses, you’ll find competitive rates and personalized support every step of the way.

Get started today

Opening an account is easy and only takes a few minutes. To begin, please:

  1. Open a Smart Savings account with a minimum balance of $5.
  2. Once your savings account is active, proceed to open the Young Adult Smart Checking within Digital Banking or schedule a visit at our Meriden or New Britain branch.

 

  • No Monthly Fee

    No monthly service fee, our Checking account is free!

  • No Minimum Balance

    No minimum balance is required to maintain the account after opening

  • Early Payday

    Get paid up to two days early with Direct Deposit to your Achieve Checking3

  • Fee-Free ATMs

    Withdraw cash with your debit card, fee-free, at more than 30,000 ATMs nationwide

  • Complete Card Controls

    Turn your card on/off and protect against fraud with the Card Control app

  • Enhanced Digital Banking

    With Mobile Deposit, Bill Pay, Pay Anyone, External Transfers and more

¹ Requires maintaining a Smart Savings account with at least $5. 2If available through your employer. There is no guarantee that the credit union will be able to post payroll or other direct deposits to a members account early. It depends on the source sending in the funds to the credit union. 3 No NSF fees or savings overdraft transfer fees.