Teen Membership Accounts

Journey into Adulthood 
Ages 13–17

With Cencap’s Teen Accounts, you’re in charge of your future. If you’re between the ages of 13 and 17, our Teen accounts are for you. Our FREE Teen accounts place you at the forefront of responsibility and on the road to financial independence. Whether it’s for a car, college, or the latest gaming system, budgeting and saving money is key—get started today!

What you get:

  • FREE Checking Account
    $1.00 opening deposit. This is your money–not a fee to the Credit Union.
  • FREE Savings Account
    $5.00 deposit which is placed on hold for the lifetime of the account & deducted from your available balance to establish membership with the Credit Union. Your $5.00 share makes you part-owner of Cencap’s financial cooperative!
  • FREE Visa Debit Card
    Arrives in the mail 7–10 business days from account opening.
  • MANDATORY Overdraft Protection
    Teens are automatically opted out of overdraft with their debit card for one-time debit transactions.


  • NO Monthly Service or Maintenance Fees
  • NO Minimum Balance Required
    Aside from $5 deposit
  • FREE E-Deposit
    Deposit checks from your mobile device
  • FREE Online and Mobile Banking
  • FREE Direct Deposit and Payroll Deduction
  • FREE E-statements
  • FREE Bill Pay
  • FREE Phone Banking
  • FREE Automatic Transfers
    Sum & All-point Network
  • Personalized and friendly service
  • And Much More!

*Parents/guardians can be joint on this account, but is not required. For Teens, electronic spending limits are reduced. Teens are able to withdraw a maximum of $100/day at any ATM Machine and are able to spend a maximum of $250 per day for POS (Debit) purchases.


Education | Form good budgeting and spending habits

Establish Independence | Receive a debit card issued in your own name

Get Connected | Follow us on Social Media and become an “insider” to promotions, events, and giveaways

Convenience | Manage your accounts from your smartphone or tablet using the Cencap app


  • Visit 1 of our 3 Cencap locations
  • Online at cencap.com
  • Are you a Business, Organization, School or Religious Group? Sign up for BANK ON IT, an on-site account opening workshop where Cencap will COME TO YOU and open accounts for FREE! Call for details: 860-722-8110

To become a member, please stop by one of our branches or email us at info@cencap.com.