Student, Teen, and Minor Checking Accounts

Green cartoon character with dollar sign, wearing sunglasses and a navy blue Coosa Valley Credit Union cap.

A checking account with a debit card for students, teens, & minors.

For ages 10-17, giving teens and pre-teens a safe way to start banking with a debit card, digital wallet options like Apple Pay and Google Pay, and 24/7 online banking. For children 9 and under, we also offer a Coosa Valley Kids Savings Account to help them begin building early money-management habits.

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Monthly Fee

No reoccurring monthly maintenance fee

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Available to Young Members

Ages 10 to 17 years old

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Access To Direct Deposit

*Get paid up to 1 day early with Early Pay

A feature packed online banking app for checking account management.

Check balances on the go, initiate transfers, send us a message, and much more with our online banking app.

Mobile banking app interface showing account balance and transaction list for a user named Michael.
Woman in red jacket smiling and shaking hands with young boy wearing a cap in a bright room
Students smiling and collaborating while writing in notebooks in a lively classroom setting with raised hands.

Open a local checking account for your student/minor.

We value young members.

Opening a Student Checking Account at Coosa Valley Credit Union helps young members build strong financial habits while forming a lifelong relationship with a trusted local credit union. By starting early, teens and pre-teens gain the foundation they need to qualify for better loan rates in the future—whether it's an auto loan, personal loan, or even a first home. With guidance from caring, community‑focused employees who genuinely prioritize their financial well‑being, we empower the next generation to grow confidently and responsibly on their financial journey.

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Account Features

They get secure access to a debit card (with the option to add it to their digital wallet), our 24/7 mobile banking app, controlled access to Zelle, free e‑statements, and the benefit of early direct deposit. And the best part — there's no monthly maintenance fee.

Students smiling and collaborating while writing in notebooks in a lively classroom setting with raised hands.

Debit Card Access

Many financial institutions restrict debit card access for minors until ages 15 or 16. At Coosa Valley Credit Union, we believe your child should have safe, supervised access to their money—wherever they go. That's why students as young as 10 years old can have a checking account with a secured debit card, complete with spending limits for your convenience and added peace of mind. It's a smart, secure way to help kids build financial confidence early.

We offer school themed debit cards for you and the students.

Now you can carry a debit card that represents your participating local high school - only from Coosa Valley Credit Union.

Why Choose a Custom School Debit Card?

  • Show off your school pride
  • Same great features as your regular debit card
  • Safe, secure, and convenient
  • Available exclusively for CVCU members

How to Get Yours

  • Become a member (if you aren't already)
  • Choose your school's design
  • Request a new debit card in-branch, or by calling us at 706-235-8551

Card Designs Available For: Rome High School, Cartersville High School, Cedartown High School, Rockmart High School, Gordon Central High School, and Sonoraville High School.
(More schools coming soon!)

Some restrictions apply. Replacement card fees may apply. Ask us for details.

Coosa Valley Credit Union red debit card featuring Rome City Schools Wolves logo with Mastercard symbol.
Coosa Valley Credit Union debit card with Cartersville High School Caves logo on purple and gray background.
Custom Coosa Valley Credit Union debit card for Rockmart High School Jackets with chip and Mastercard logo.
Coosa Valley Credit Union Bulldogs Cedartown High School debit card with Mastercard logo and contactless symbol.
Sonoraville Phoenix debit card design with Coosa Valley Credit Union logo and Mastercard symbol on red and gray background

Available for members in Rome, Cartersville, Cedartown, Dallas, Canton, Calhoun, Fort Oglethorpe, Rockmart, Woodstock & surrounding areas.

Nearby Branches & ATMs

We proudly serve 13 Northwest Georgia counties and offer 11 convenient branch locations for you to visit.

Coosa Valley Credit Union building with stone pillars and large glass windows lit up at dusk under a clear blue sky

ATM Available

Main Office - Rome

1307 Redmond Road

Rome, GA 30165

Drive-Thru Hours

M - Th 8:30a - 5:00p
Fri 8:30a - 6:00p

Lobby Hours

M - Th 9:00a - 5:00p
Fri 9:00a - 6:00p
Close-up of a modern house entrance with wooden beams, stone base, and address number 1504 on the pillar.

ATM Available

East Rome

1504 Dean Ave.

Rome, GA 30161

Drive-Thru Hours

M - Th 8:30a - 5:00p
Fri 8:30a - 6:00p

Lobby Hours

M - Th 9:00a - 5:00p
Fri 9:00a - 6:00p
a house with a brick chimney

ATM Available

Cartersville

1149 North Tennessee St.

Cartersville, GA 30120

Drive-Thru Hours

M - Th 8:30a - 5:00p
Fri 8:30a - 6:00p

Lobby Hours

M - Th 9:00a - 5:00p
Fri 9:00a - 6:00p
a building with a parking lot

ATM Available

Calhoun

375 South Industrial Blvd

Calhoun, GA 30701

Drive-Thru Hours

M - Th 8:30a - 5:00p
Fri 8:30a - 6:00p

Lobby Hours

M - Th 9:00a - 5:00p
Fri 9:00a - 6:00p
a white building with a blue sky

ATM Available

Canton

152 Prominence Point Pkwy

Canton, GA 30114

Drive-Thru Hours

M - Th 8:30a - 5:00p
Fri 8:30a - 6:00p

Lobby Hours

M - Th 9:00a - 5:00p
Fri 9:00a - 6:00p
a building with a large front yard

ATM Available

Cedartown

819 North Main St.

Cedartown, GA 30125

Drive-Thru Hours

M - Th 8:30a - 5:00p
Fri 8:30a - 6:00p

Lobby Hours

M - Th 9:00a - 5:00p
Fri 9:00a - 6:00p
Coosa Valley Credit Union building with stone and wood architectural elements under clear blue sky.

ATM Available

Fort Oglethorpe

1825 Fant Drive

Fort Oglethorpe, GA 30742

Drive-Thru Hours

M - Th 8:30a - 5:00p
Fri 8:30a - 6:00p

Lobby Hours

M - Th 9:00a - 5:00p
Fri 9:00a - 6:00p
a building with columns and a sign

ATM Available

Rockmart

1400 Chattahoochee Dr.

Rockmart, GA 30153

Drive-Thru Hours

M - Th 8:30a - 5:00p
Fri 8:30a - 6:00p

Lobby Hours

M - Th 9:00a - 5:00p
Fri 9:00a - 6:00p
a building with a sign on it

ATM Available

West Cartersville

15 Walnut Grove Road

Cartersville, GA 30120

Drive-Thru Hours

M - Th 8:30a - 5:00p
Fri 8:30a - 6:00p

Lobby Hours

M - Th 9:00a - 5:00p
Fri 9:00a - 6:00p
a sign on the side of a road

ATM Available

Woodstock

12178 Highway 92

Woodstock, GA 30188

Drive-Thru Hours

M - Th 8:30a - 5:00p
Fri 8:30a - 6:00p

Lobby Hours

M - Th 9:00a - 5:00p
Fri 9:00a - 6:00p

ATMs also available at all branch locations

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Surcharge-Free ATMs

Members enjoy access to thousands of surcharge-free ATMs across the country. Click here to locate one now.

Most Common Questions

Access to an ATM?

Yes, however there are limits on withdrawals and on cash/check ATM deposits as an added security measure.

Access to RDA (Remote Deposit)

Yes, Student Checking Accounts will be eligible for remote deposit, subject to specific limits implemented as an added security measure.

Access to Online Banking and Zelle?

Yes, Student Checking Accounts will be able to manage and monitor their money through our online banking app, along with limited and controlled access to Zelle. Zelle transaction limits are in place as an added fraud protection measure. Online banking access is permitted with parent oversight and responsibility.

Access to FI to FI, Bill Pay, M2M, or Courtesy Pay?
No, Student Checking Accounts will not have access to either of these online features. FI-to-FI refers to external transfers to other financial institutions. M2M is an internal member-to-member transfer (in-app only).
Ability to add a debit card to a phone wallet?

Yes, however it is permitted with parental oversight and responsibility. It will be subject to the same limits as the physical debit card.

Ready to get started? Open a student/minor checking account today.

Whether you're opening your first checking account, switching from another financial institution, or simply adding another account, we're here to help. Joining is easy, and you'll quickly start enjoying all the benefits that come with a Coosa Valley Credit Union checking account. Contact us or visit your nearest branch to get started today.

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