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Youth Checking For Members 13 to 23 years old

At Denali, we know that making new financial decisions can be a challenging experience. That's why we're here to help. If you are at least 13, Denali has the perfect checking account designed just for you. Our basic account doesn’t require direct deposit or have minimum balance requirements. Young Adult Checking gives you the access and convenience that you need in your first checking account.

If you’re under 18, you will need to open your account at a Denali branch. Find out what you need to open an account.

Feature or BenefitYoung Adult
Earns Dividends 
Overdraft Protection* 
Reimbursed ATM Fees (up to $20 per month) 
Free Check Orders (up to $25 per order) 
Free Instant Issue Debit CardYes
Custom Photo Debit Card**Yes
Paper Statements***Yes
Overdraft Fees for Returned Items$30 per item
Bounce! Protection† 
Free Web and Mobile BankingYes
Free Online and Mobile Bill PayYes
Free Access to Co-Op Shared ATMs and BranchesYes
Monthly FeeFree
How to Waive Monthly FeeN/A
Opening Deposit$30 ($25 checking, $5 share savings)

* Overdraft protection: Free for Advantage, $7 per transfer for Simple and Opportunity, not available for Young Adult

** Custom Photo Debit Card: One card free for Advantage and Young Adult, $10 for Simple and Opportunity

*** Free for Advantage, $2 per month for Simple, Opportunity and Young Adult

† $30 per item, up to a maximum of 4 charges per day