eXtreme Checking

Our Student and Teen Checking Account has it all!

Student and Teen Checking Account

eXtreme Checking offers the flexibility and support teenagers, students, and young adults need, while still encouraging independent money management habits.

  • Ages 14-21 Those under age 18 must have a parent or guardian as a joint owner.
  • No Monthly Fees Save your hard-earned money. No monthly service fees are charged.
  • No Min. Balance There are no minimum balance requirements for eXtreme Checking.
  • Balance Alerts Ability to set up low balance alerts through Online and Mobile Banking makes it easy to watch your spending.
Teen girl holding Peach State debit card
decorative chevron pattern
Teen friends walk through school


The Perfect Teen Checking Account for Their Future!

Managing a teen bank account correctly is a great way to gauge whether or not a teen is financially responsible enough for their first credit card or their first auto loan. Our eXtreme Checking even offers additional perks:


You Make A BIG Difference With Every

Purchase with the Card that C.A.R.E.S.!

You make an eXtreme impact when you bank with Peach State! Each purchase you make with your Peach State Visa Debit Card results in Peach State donating a nickel to the Peach State FCU C.A.R.E.S. Foundation, which supports non-profits, school systems, and the arts in the communities.1

With no additional effort or work, you get to help the people in your community. That's another reason why Peach State is a smart place for teens to bank!

1 $0.05 per transaction of Peach State Federal Credit Union’s merchant interchange income from our Visa Debit Card program is used to benefit the communities we serve. Peach State will determine where/how funds are disbursed. This does not affect members’ accounts, nor will any member information be disclosed. You will not incur any additional fees or charges from this program. Merchant interchange income is derived from fees that a merchant pays to accept credit/debit card payments. The C.A.R.E.S. program may or may not apply to ATM transactions, certain commercial transactions, or other transactions not processed by Visa.

A young girl with a Teen Checking Account at Peach State FCU holds a folder and backpack.
Start your teen on the right path with a teen checking account from Peach State

Can you get a Checking Account at 14?

Yes, at Peach State, our Student and Teen Checking Account is for ages 14-21. Set your teen up for success by encouraging responsible money management. 

Those under 18 must have a parent or guardian as a joint owner. Use our Teen Checking Account to help gauge your teen's financial knowledge and empower them to learn healthy habits! 


I have always received prompt and courteous help, both in person at my local branch and over the phone.  Everyone I have had dealings with from getting a car loan to opening a credit card to individual tellers has been helpful and pleasant!

- Sarah Y.

Products and services are specific to individual needs.
- Kimberly N.
As a high school student, my first checking and savings accounts were with Peach State. I’m very thankful for Peach State.
- Jordan S.
Three  Practical Budget Templates

3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

  • Fillable online
  • Calculates in real-time
  • Easy to use and understand

Frequently Asked Questions

These are a few of the commonly asked questions about our teen bank accounts.
For even more FAQs, check out our Member Knowledge Base.
Member Knowledge Base