Local Roots Checking Account

Your Money. Your Roots. Grown Local.

Your journey to financial independence starts here. Local Roots Checking gives teens the tools to take control, make smart choices, and grow confidence with money that’s all their own.

For Ages 13–15:
Learn money skills with a joint checking account*—get started with a parent or guardian.

For Ages 16–17:
Open your own account checking account* and take control—no parent needed if you have a valid photo ID.

Why You’ll Love It:

• No monthly fees, no minimum balance

• Easy access anytime with debit card & online banking*

• Built for teens ready to manage their money

Grow your roots. Grow your independence.

Learn more about youth savings options here.

Visit us at any MCCU branch location to open your account

or

Complete an application online and a MCCU team member will reach out to you to complete the process.

*Monroe Community Credit Union (MCCU) Membership eligibility required. $5.00 minimum opening deposit. Account opening for individuals aged 13 to 15 requires joint ownership with a parent or legal guardian who qualifies for membership with MCCU. Members 16-17 years old may open an account individually, with valid photo identification. No monthly maintenance fee. No minimum balance requirement. Debit cards issued to members ages 13-15 require parent/guardian consent waiver. Debit cards issued to minors are automatically opted out of overdraft privilege. Minor checking accounts are not eligible for Check Guard. Remote deposit capture will not be available until 30 days after account opening. MCCU is Federally Insured by NCUA.