MIDFLORIDA, Your Community Credit Union.

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Information for You

Rated T For Teen Checking

RT4T is a completely free checking account for teens and young adults through age 18.

Financial Freedom

Hey teens…check out this checking account that’s anything but ordinary. It’s designed specifically with you in mind, with no fees to pay and no minimum balance to keep up with! Plus, manage your money your way with a free debit card, free text banking and free mobile banking.

Teens 16-18 years old can open an account online. If you are 10-15, please visit a branch to open an account.

Open Account


Available for members age 10-18.

Are dividends paid? No. However, the primary savings account does earn dividends.
Are there any fees? $0
A $2 fee will apply if you choose to receive your monthly account statement in paper form. Fee waived for members 18 and under. Fees for overdrafts and using other financial institution ATMs will still apply.
Minimum account balance? $0
Minimum to open an account? $25
A minimum savings account of $5.00 is required to open any type of checking account.
What forms of identification are required to open an account?

  • Ages 10-16 with a parent or guardian as a joint owner can use:
    • Valid current school photo ID (not adequate to request a debit card)
    • Florida ID
    • Military ID
    • Passport
    • Parent or guardian must have a valid Florida driver’s license or Florida ID
  • Ages 16-18 without parent or guardian as a joint owner can use:
    • Florida driver’s license
    • Florida ID

View MIDFLORIDA’s fee schedule.