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Earning interest on your checking just got more rewarding!

  • Earn up to 5.00% APY¹ with Champion Rewards
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  • Rates as low as 4.99% APR²
  • Terms up to 96 months
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  • Financial Wellness Blog, Counseling, and other free tools
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We believe everyone deserves a champion, and we want to be your financial champion for life.

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The NEXT Account

Spending for Youths

Youth checking with no monthly fees.

Learn to Spend Responsibly

It’s time to prepare the next generation for financial success. The NEXT Account leads youths between 13 and 20 into financial responsibility.
Open NEXT Account View Account Highlights

Is the NEXT Account Right for You?

Youth checking that is simple and affordable. Are you:
Between the ages of 13 and 20?
Looking for an account with no monthly fees or minimum deposit?
Ready to learn the basics of banking?
Wanting the convenience of mobile banking?
Open NEXT Account
The NEXT Account
No monthly service charges

No monthly fee and no minimum balance

Debit Mastercard®

Free debit Mastercard®

Membership fee waived

Membership fee of $25 is waived

Use code "YOUTH" when opening account.

Highlights

The NEXT Account

Youth checking today for the leaders of tomorrow.

Open NEXT Account
Leaders mobile app

Free access to the Leaders mobile app

Manage personal spending and easily move money between accounts.

Access to Leaders-owned ATMs

Access to 85,000 fee-free ATMs

No monthly service charges

No monthly fee and no minimum balance

Debit Mastercard®

Free debit Mastercard®

Membership fee waived

Membership fee of $25 is waived

Use code "YOUTH" when opening account.

Leaders mobile app

Free access to the Leaders mobile app

Manage personal spending and easily move money between accounts.

Access to Leaders-owned ATMs

Access to 85,000 fee-free ATMs

Open an Account Today

Need help opening your minor account online?
See Step-By-Step Guide

Testimonials

What Our Members Are Saying About Leaders

Frequently Asked Questions about
The NEXT Account

Young members between the ages of 13 and 20 are eligible for the NEXT Account.
You will need the minor's social security card and birth certificate both in branch or online to open this account.

Yes. Any child under 18 must have a parent or a legal guardian listed as joint account holder.

Yes. Your account will be tied to your child’s account, and you can transfer money between accounts using our free mobile app.

The membership fee of $25 is waived for Youth Accounts. Simply enter the code "YOUTH" when you open your account. Note: Prime Share savings account is a required product for all new members and a $10.00 deposit is required to hold membership (refunded upon account closure). Need help opening your account online? See our step-by-step instructions for opening a minor account.

Still have questions? Visit our Help Center.

Disclosures

Any Leaders Credit Union member age 13 or over may open a checking account; Members under age 18 must have a parent or legal guardian as joint owner. $10.00 deposit into Prime Share savings account is required to hold membership (refunded upon account closure).