Accounts for Teens

Ready to get started on the road to financial responsibility? Well, this is where you begin. Whether you are a parent teaching your children or you are a young adult and looking for guidance, we have you covered. Not only do we have the perfect account, we provide access to valuable resources through our website! 


Just like all members, you will need to join by first opening your membership savings which serve as your share of ownership in American Partners.


Youth Account

A checking program that gives the Young Adult members the benefits they desire and need as well as ATM/Debit card access. Youth Account offers the following perks:

  •  Free Checking
  •  Unlimited ATM Transactions
  •  Overdraft Protection from Savings

Member Requirements:

  • Must be between the ages of 12 and 18 years old.
  • Parent or Guardian signature required if under 18 years old.


Understanding how your Debit Card works:

VISA Transaction: A check card transaction. Used mostly at merchant locations, a swipe (by you or a merchant), telephone, or internet transaction (This transaction may place a hold up to 3 days on your available balance)

ATM Transaction: A withdrawal made by you at an ATM or at a merchant location in which you have entered your PIN number ***Your money is deducted immediately!!

P.I.N.: Personal Identification Number

Account Balance: Actual Balance in your account

Available Balance: Your Account Balance less any holds or authorizations

Transaction Date: Actual date the transaction was posted to your account

Business Day: A calendar day other than a Saturday, Sunday, or Federal Holidays

System Date: Actual business day


After hours phone number for VISA Debit Cards: 1-800-754-4128

Please direct all questions relating to Debit Cards to an Account Specialist.