Smart banking designed for teens — build credit, save for college, and manage your money with fewer fees and more freedom.
FUTURITY checking and savings accounts are designed to help teens build strong money habits, save for the future, and take control of their finances — all with fewer fees and more flexibility. Whether you're preparing for college, saving for a first car, or simply learning to manage everyday expenses, FUTURITY gives you the tools to succeed.
With 24/7 access, credit-building opportunities, and helpful perks, it’s the ideal first account for teens who are ready to take their next financial step.
Key Benefits Include:
FUTURITY is available to members ages 16–17. While a parent or guardian is encouraged to be on the account, we understand some students may want to manage their finances independently.
Exceptions can be made for students who meet two or more of the following criteria:
Have questions? Click here to view the FUTURITY FAQs and learn more.
Introduce your little ones to the joy of saving with a youth savings account that earns interest and comes with a fun welcome gift.
Designed for budding savers, this account rewards good grades with cash deposits and includes a cool welcome kit.
Perfect for pre-teens and teens, this account offers interest earnings, "Good Grades Pay" incentives, and a welcome pack.
Empower your child with the Greenlight debit card and app, teaching budgeting, saving, and smart spending—all under your supervision.
Ready to open your FUTURITY account? Whether you're saving for college or learning to manage your spending, this account gives you the freedom and support to take control of your financial future.
Find clear answers about eligibility, account features, fees, and everything else you need to feel confident about opening and managing a FUTURITY account.
FUTURITY checking is automatically linked to your savings account (also known as an overdraft transfer) as a first line of defense if you overdraw your account. We’ll waive the fee on the first two overdrafts per month—which would normally be $3 each.
Why? If you have money in your savings account, it helps you avoid using Courtesy Pay which costs more to use ($15).
FUTURITY checking has a lower limit ($200) on Courtesy Pay to keep you from going too far in debt when you mess up or are short on cash.
Why? Getting your account in the negative can be hard to catch up on. We want to give you a useful tool to get financially savvy—not put you into debt!
FUTURITY checking has lower fees for non-sufficient funds and Courtesy Pay. We also waive five foreign ATM transactions per month.
Members ages 16-17 are encouraged to have a parent/guardian on their account. Exceptions can be made for students who do not wish to have a parent/guardian on their account if two of the following criteria are met:
We want to get you everything you need as a young adult. Many times, whether you are in school or starting your first job, you may need to borrow money for expenses or large purchases. As a FUTURITY account holder, we want you to have access to credit—but not too much because that can get you into trouble fast.
You must apply and qualify to receive credit accounts (i.e. a line of credit, credit card, etc.) Depending on your income, this may require you to have a co-signer to be approved for credit.
flexLINE of Credit — This is like “extra cash” linked to your checking account. If you do not have enough money to cover your expenses, you can still use your debit card or write a check and the credit union pays for it. By using this, you will now owe the credit union the money back. It is like a short-term loan. The starting limit on this account is $200.
We’ve made registering your new account easy too! Simply go to www.eClubOnline.net, input the access code MI833135, and follow the simple steps to register your account and activate all your benefits. You can also register your account by phone at 866-210-0361. After you register, make sure you download the eClub mobile app on your phone to stay connected to your benefits wherever you go!
There is a $2.50 monthly service fee for the Futurity Bonus Checking account, which will be withdrawn from your account on the last day of every month.
We encourage you to try out your new account and experience all the benefits! If you feel this account isn’t right for you and you’d rather return to your original account type without all the benefits, we will be happy to help! Email us at info@ExtraCreditUnion.org with your account number and let us know that you want to opt out of the FUTURITY Bonus Checking and return to your previous account or call us at 877-638-7628 and one of our staff will help you return to your original account settings.
Unlock personalized banking, exclusive rewards, and a community that supports you. Take the next step toward your financial freedom today.
