First Checking for Teens

First Checking for teens with Visa® Check card

Monthly Fee Avg. Daily Balance to Avoid Monthly Fee Dividends Paid
Avg. Daily Balance to Earn Dividends


Checking Account Features:

  • Unlimited monthly check writing
  • ATM access
  • Overdraft Protection
  • Visa Check Card
  • E-Statements
  • CU Online
  • Bill Pay
  • Direct Deposit

White Sands FCU wants to help parents introduce their teenage children to the importance of personal financial management with First Checking – a free checking account just for teens age 13 -17. It is designed to encourage financial literacy and money-management skills. First Checking is ideal for introducing basic financial management skills, yet full-featured enough to carry the account holder through to college and into the workplace with financial tools like check-writing privileges, a Visa® Check Card and CU Online banking. At age 18, the First Checking will convert to an EZ checking.  Parents can use First Checking to teach everyday financial management by:

  • Promoting sound financial behaviors by depositing a child’s allowance on the same schedule as the parent’s paycheck, thereby encouraging prudent budgeting and spending until the next “payday.”
  • Encouraging your teen to deposit money earned from part-time jobs as well as birthday or holiday gift money.
  • Encouraging monitoring of accounts through free online banking services.
  • Most important, First Checking is a joint account between parent and child, so parents are always in control. Contact us for more information on how you can help your teen gain important money management skills.
*First Checking requires co-ownership of parent or guardian

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Claim Your Youth

Financial education for teens

claim your youth logoClaim Your Youth is a teen specific program that is designed for young members aged 13-18. Learning to manage finances is very important, so White Sands Federal Credit Union is pleased to offer a program where young adults are given the opportunity to manage their own money, develop budgeting skills and so much more, in a real world setting.

Visit Claim Your Youth website  |  Claim Your Youth newsletter


Contact our Call Center at
(575) 647-4500 or (800) 658-9933.

Hours of Operation:
Monday thru Friday, 8 am-5 pm

By email:

By mail: P.O. Box 99 Las Cruces, NM 88004

2755 North Main St, Las Cruces NM 88001

Routing & Transit # 312276470

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency.  Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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