Our Right Track Debit Account is an account that gives teen members convenient access to their account using a debit card or checks.  It gives them independence and helps them learn how to manage money without credit or debt. This is a FREE account for members 13-17 years of age. The best part is teen members can earn 4% Cash Back every time they use their Debit Card.*

You can also order checks to have on hand for those times when someone does not accept a debit card, such as school activities, club, etc.

*The maximum cash back is $10 per month.

What a Debit Card Offers:

• Freedom to make a purchase at stores, restaurants, gas stations and even online and the money comes from your account. 
• Access to cash from your account at an ATM 24/7 when it’s convenient for you.

Track Spending Easily

• Check your balance anytime with online or mobile banking.
• View every purchase made.

Safer Than Carrying Cash

• If your debit card is lost or stolen, it can be locked and replaced.
• Protected with a PIN and fraud monitoring

Learn Smart Money Habits

• Spend only what your have.
• Learn about budgeting and saving.

Peace of Mind For Parents

• Transfer money to teens fast in an emergency
• Stay connected with real-time alerts
• Funds are safe, secure, and easy to manage
• Teens learn financial responsibility

Teens turning 18
Once teens turn 18, the Right Track Debit Account will be switched to an Express Debit Account, which offers the following great benefits:

• Identity Theft Protection
• Roadside Assistance
• Telehealth
• Cell Phone Protection
• .25% APY CD bonus
• .25% APR Loan rebate
• Travel and Leisure Discounts
• & much more