Teen banking
that grows with them.
Designed for teens, with tools and oversight parents can trust.
A MACU NextGen Banking account is a FREE savings and checking account that gives teens room to grow while keeping parents in the loop. All you need is $25 to open an account. No annual fees.
Available for ages 13 to 17, NextGen Banking includes access to a mobile banking app, nationwide ATM access, shared branching, and an optional Visa debit card. It is a simple, secure teen banking solution built to support smart spending, saving, and financial independence.
For Teen Ages 13-17
Your money. Your decisions. Your future.
- Spend with confidence
- See your money in real time
- Set goals and achieve them
- No hidden fees
- Gain financial independence
For Parents
Guidance they need. Control you trust.
- Stay connected to their account
- Monitor activity with ease
- Help them build smart habits early
- Educational tips and tools
- Federally-insured accounts
NextGen Banking Learning Center
Your go-to resource for teen banking tips, tools, and education. Built to support smart money habits, this teen banking hub includes practical guides on budgeting, saving, spending, and planning for big goals like a car, school, or first job.
Online Course: Navigating Auto Loans
Whether looking at financing from a lending institution or the dealer, it’s key to know what to look for when evaluating options.
Understanding Your Credit
From getting approved for a loan to lower interest rates, there are many benefits to improving your credit. Use this tip sheet to learn about the factors that affect your credit score and how you can improve your score.
Online Course: Checkright
To improve confidence and attitudes around healthy checking account practices, this learning tool sets you up for success.
Budgeting Calculator
Use this budgeting worksheet to calculate your monthly expenses and income to get an idea of what you have to work with, what your commitments are, and what you have remaining to devote to your goals.