Empower your Teen with Teen Checking
Give your teen the freedom they crave with our interest-earning, fee-free Teen Checking account, and enjoy the added peace of mind of parental controls.
Financial success starts here.
Free Debit Card
Teens will receive a contact-less debit card on the spot to spend their money wisely.
No Fees
A “no” teens want to hear. No monthly account fee, no minimum monthly balance requirement, and no overdraft fees.
Parental Controls
With alerts, card lock/unlock and more, parents can monitor account activity and worry less.
Why BayFirst?
At BayFirst, we’re Here for What’s Next® for customers of all ages. We are proud to offer one of the best teen bank accounts around, with no overdraft fees, no monthly service fee, and no minimum balance, plus parental controls. Parents enjoy peace of mind while their teen enjoys a little more responsibility and earns interest. That’s what we call a parenting win.
A joint account designed with teens in mind.
Account Features
- Earns 1.01% APY*
- Only $10 to open
- No overdraft fees
- No monthly service fee or minimum balance required
- Instant-issue contactless debit card
- Access to 55,000 free ATMs
Online & Mobile Banking
- Get paid up to two days early with Forward Pay
- BayFirst Mobile Banking App
- 24/7 Online and Mobile Banking access
- Online bill pay and mobile deposit
Other Benefits
- Free alerts, card lock/unlock, and more controls for parents
- Free coin counting
- Free eStatements
- Up to $250,000 insured by the FDIC
- BayFirst Call Center support
What’s Next?
Gather Your Information
A government-issued ID is required for both the guardian and teen on the account. A teen’s birth certificate will also be accepted.
Find the Nearest Banking Center
We have convenient locations across the Tampa Bay area, including St. Petersburg and Sarasota.
Open Your Account
Bring your IDs and initial deposit to any banking center and we’ll get your account set up in minutes.
Teen Checking FAQ
What is the minimum age to open a teen checking account?
BayFirst Teen Checking accounts are available for teens age 13-18 only. Children 12 and under should check out our Cash Kids Club savings account. Once they turn 18, your teen can choose to open another BayFirst checking account and transfer their balance.
How do I open a teen checking bank account?
To open your Teen Checking account, follow the steps above or head to a nearby BayFirst banking center.
Is this a joint account?
Teen Checking is designed as a joint account with both a teen and parental account holder. However, a parent or guardian is only required on the account if the teen is under 18.
Does there need to be a parent or guardian on the account?
A parent or guardian must be on the account if the teen is under the age of 18.
What alerts can I set up for my teen?
In addition to being able to lock and unlock your teen’s card and set spending limits, parents or guardians on the account can also set up spending alerts, deposit alerts, and balance alerts, which are customizable and can be set to any dollar amount.
Is Teen Checking a Bank On Certified Account?
Yes, Teen Checking meets The Bank On National Account Standards, meaning that it is a safe and affordable starter account with important features including low fees, no overdraft charges, online bill pay and more, which are ideal for those looking to start their banking relationship with the right tools to manage their money effectively.
Still have questions?
Overdraft Privilege is not available for this account. The Zelle® Transfer Service is available for minors between the ages of 13 and 17. A minor may only use the service with the permission and upon request of the adult co-owner. The adult co-owner must notify the Bank to enroll a minor in, or revoke a minor’s access to, the Zelle® Transfer Service. To revoke access, the adult co-owner must contact a local banking center. If access is revoked, the minor will no longer be able to use the service, and any pending payments at the time of revocation will be canceled. Once the minor reaches 18 years of age, the individual may independently enroll in the Zelle® Transfer Service using their email address or U.S. mobile number. Account Ownership: Teen Checking is a joint account owned by 2 people, a parent or legal guardian being one of the joint owners. All deposits made into the account are owned by both people. Visa® Debit Card: The daily Point of Sale (POS) limit is $250 and $110 for ATM withdrawal.
*Teen Checking is an interest-bearing checking account. The account will receive 1.01% APY (Annual Percentage Yield) on all balances. Rates are variable and are subject to change at the bank’s discretion. Rates are calculated on a daily balance method. Minimum $10 to open. Rate is effective as of 09/17/2025.