Young Adult Checking

Banking that grows
with you.

No monthly service charge, no minimum balance, and up to $10 in ATM fees reimbursed every month—built for young adults ages 15-22.

Applicants under 18 must apply in branch.

Open Now Find a Branch
No monthly service charge
No minimum balance
Up to $10/mo ATM fees reimbursed
Why MHV

Why an MHV Young Adult Checking Account?

No Monthly Service Charge or Minimum Balance

Keep every dollar you earn. There’s no monthly fee and no minimum balance to maintain — ever.

Get Up to $10 in ATM Fees Reimbursed Monthly

Use almost any ATM and we’ll refund the fees, up to $10 each month. Your money, wherever you are.

Included

All checking accounts come with

Online & Mobile Banking

Convenient and secure access to your accounts 24/7 to check balances, transfer funds, pay bills and more.

Mobile Check Deposit

Deposit checks into your account anytime, anywhere with a tap and a snap.

Over 118,000 Totally-Free ATMs

Enjoy totally free access to your account at participating ATMs nationwide.

Account Alerts

Stay on top of your accounts with custom alerts sent by email or text.

Transfer Funds

Transfer funds between any of your MHV accounts. Plus you can add external financial accounts and set up transfers between them and your MHV accounts.

Mobile Wallets

Add your MHV Visa® Debit Card to Apple Pay or Google Pay to shop easily and securely.

MyMoney Trail

Link all of your accounts in one place to track spending, create budgets and manage debt.
Tools to Help You

Build your financial foundation

Savings Accounts

A Savings Account establishes your membership and is a great place to save for big purchases and unplanned expenses.

Learn More

Auto Loans

Loans with great rates and flexible terms to help you pay for your first or next car.

Learn More

Financial Education

Learn how to create and set a budget, save for a big purchase, or start investing. All these resources and more are available for free.

Learn More
Young Adult Checking

Commonly asked questions about Young Adult Checking

Members aged 15-22 are eligible to open a Young Adult Checking Account. Members under 18 must open an account at a branch with a parent or guardian. 

MHV is a member-owned credit union. Your Savings Account — with your $5 required opening deposit — is your share in the membership.

After your 18th birthday, you can open an MHV Free Checking Account. It offers many of the same great benefits you're already used to, like access to 118,000+ fee-free ATMs, no monthly fee, and no minimum balance. 
Membership Advantage

Your checking account is just the beginning.

No Monthly Fees

Keep more of your money with fee-free everyday banking.

ATM Reimbursement

Up to $10/mo in ATM fees refunded automatically.

Build Your Credit

Secured and cosigned credit cards to start your history.

Financial Education

Articles, tips, and scholarships to guide your journey.

Explore Member Benefits