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Home - Baylands Family Credit Union

Next Gen Checking

Big Dreams Start with Small Deposits

A teen’s first checking account is more than just a place to hold money—it’s a stepping stone to lifelong financial confidence. With features like parental oversight, spending alerts, and mobile banking access, this account helps teens learn how to manage money responsibly, one deposit at a time. Whether they’re saving for a first car or budgeting their allowance, it’s the perfect way to build smart habits and dream big for the future.

  • Available to members age 14-17
  • No minimum balance
  • Free Monthly E-statements
  • 24/7 account access via Online & Mobile App Banking 
  • Easy parental monitoring*
  • 30 days of resposnsible account managent can unlock the convenience of Remote Depoist Capture
  • A Contactless BFCU Visa® debit card (with a parent’s approval)

*A parent or legal guardian is required to be a joint account owner

Features on All BFCU Checking Accounts

Icon depicting a dollar being deposited into a bank account.

Direct
Deposit

Streamline your finances with direct deposit to ensure timely and secure access to your funds.

Icon depicting a mobile phone alerting the user of a transaction that has taken place.

Transaction Alerts

Monitor your spending, detect unauthorized transactions, and manage your finances efficiently.

An icon depicting an ATM that can be found on the Nationwide ATM Network

Nationwide ATM Network

Shared branching provides access to, over 30,000 surcharge-free ATMs nationwide.

An icon depicting a mobile wallet feature we offer.

Mobile
Wallet

Connect your BFCU VISA Debit Card to your preferred mobile wallet (Apple Pay, Google Pay or Samsung Pay.)

Ready to get started and open a BFCU Next Gen Checking Account

Apply online or visit a local branch, and we’ll have you up and running in no time. Here’s what you’ll need to bring to open your account:

  • A valid driver’s license or state ID
  • Proof of your current address, such as a pay stub or utility bill
  • Your Social Security number (if you’re under 18 or don’t have established credit, bring the actual card, not just the number)
  • At least $5 for your prime savings account deposit (if you’re not already a member)
  • Opening a joint account? Each person should bring their own ID.
  • Opening a business account, call and speak with a staff member about requirements

I’M READY TO APPLY

Note: APY = Annual Percentage Yield. Dividends are compounded daily and credited monthly based on the average daily balance method. You must satisfy all of the requirements in our Truth in Savings disclosure during each qualification period to obtain the qualifying percentage yield. ATM fees may be refunded up to $25.00 on qualified accounts. If you close your account before accrued dividends have been credited to your account, all accrued dividends will be forfeited. Fees may reduce earnings. No minimum balance required, although $5 must be deposited into a Prime Savings Account in order to open a Grow Green Account. Balances over $15,000 earn .05% APY. If requirements are not met, the APY on all balances will be .05% APY and normal ATM fees will apply. This rate is effective as of 4/1/2023 and is subject to change. See Member Service Representative for additional disclosures.