The Checking Account You Deserve: For 13-25 Year Olds Who Want More!
Whether you’re saving for your next adventure, handling your first job paycheck, or just need a simple way to manage your money—this Cool Club Checking gives you everything you need without the fees or restrictions. You’ll love the flexibility to bank on your terms
The basics done right:
No Monthly Fees
Say goodbye to hidden fees and account maintenance costs. Your money stays yours.Free Debit Card
Open your account and have your first debit card mailed to you—no cost, just convenience.Free Online Access & Bill Pay
Track your spending, pay your bills, and manage your account 24/7 with easy online access.Shazam Privileged Status ATMs
Want the scoop on ATM perks? Click here to learn more.Unlimited Transactions
Move your money however you want—no limits, no fees.
To get the bonus rate, just make sure you do the following in one month:
- 15 Signature-Based Debit Card Transactions
Stay active with just 15 signature-based debit card transactions per month. It’s easy to hit that number with daily spending or shopping. - E-Statements
Go paperless and enjoy the convenience of free e-statements delivered straight to your inbox. - Text Notifications
Stay updated with account activity through text alerts, so you’re always in the know.
What happens if those requirements are not met:
Ok, so what happens if you don’t use your debit card enough in a month?
Or maybe you don’t receive a direct deposit?
Don’t worry!
We won’t charge you any fees! You won’t receive the APY bonus rate, but we’ll pay the minimum APY on your balance!
If you meet the requirements but have over $5,000.00, then we’ll pay you the APY bonus rate on the $5,000.00 and the minimum for anything above it.
View the deposit rate table below.
Current Deposit Rate
Looking for the latest Cool Club Checking deposit rate? Click the button below to see our current rates and find the best option for your financial goals.