Level Up Teen Checking

Teens between the age of 13 and 17 are eligible. A parent or legal guardian must be a joint owner on the account.

Visit any of our three office locations (Ecorse, Southgate, or Woodhaven) with the teen and their parent or legal guardian to open the account.

No. The Level Up Teen Checking Account has no monthly service fees and no minimum balance requirements.

No! The $25 Birthday Bonus is automatically deposited into the account each year on the teen's birthday (or the Friday before if it falls on a weekend).

Yes. Teens will receive a Visa® Debit Card (now with Contactless Technology!) which can be used for purchases and ATM withdrawals. Parents can set spending limits as needed.

Teens can also pay using their smartphone's Digital Wallet. Use Apple Pay or Google Pay to pay in stores without swiping your cards and pay within apps without entering payment and contact information. Just pay with a touch or a click on your smartphone.

No. This is an eStatement-only account, designed to help teens learn how to manage finances digitally.

The account will automatically convert to an adult checking account, along with a regular savings account or another available product at that time.

Only a parent or legal guardian can be the required joint owner on the account. However, family members can make deposits or give financial gifts to the teen.

Yes. Teens will have access to online banking and the mobile app to check balances, transfer money, and monitor spending — with parental oversight available.

You can contact one of our Member Services Representatives directly by visiting a branch or calling us at 313-386-2200 (Option 4) for more information.

No. A debit card is available for teens without direct deposit.

Parents can:

• Link their Downriver CU account for easy transfers

• Set spending limits on the teen’s debit card*

• Receive real-time account alerts for spending and activity*

• Help teach financial habits like saving and budgeting

* These features are available through the DownriverCU Mobile App.

No. This account is designed for teens to manage their finances in a digital world, so a check order is not required for this account. If you would like to request checks, please contact a Member Services Representative 313-386-2200 (Option 4) for ordering information.

Yes. A minimum deposit of $5.00 per Joint Owner in a Youth Savings Account is required ($10 total for minor and adult). If the account is opened for at least $25.00, the credit union will match this with a $25 Opening Deposit Bonus!

Any report card received after the Level Up Teen Checking Account is opened and before the minor turns 18 years of age is eligible for a Good Grade Bonus. "Mid-term" or "progress" report cards are not eligible, only report cards received at the end of a full semester.

Bring in the teen’s report card within 30 days of the semester’s end. A $5 bonus is awarded for every 'A' grade, up to a maximum of $100 per school year.

Any report card received after the Level Up Teen Checking Account is opened and before the minor turns 18 years of age is eligible for a Good Grade Bonus. "Mid-term" or "progress" report cards are not eligible, only report cards received at the end of a full semester.

• $25 Opening Deposit Match

• $25 Birthday Bonus (automatically deposited each year)

• $5 for every 'A' on report cards (up to $100 per school year)

• $1,000 Scholarship Opportunity (click to learn how to apply)

• Access to exclusive member-only events