Teen Banking: Checking account and debit card for your teens

Teen Banking is a traditional joint bank account and debit card, but it comes with customizable debit card settings to help teens learn responsible money management.

After opening an account, teen account holders will receive their own debit card, which can also be added to a digital wallet and used to make purchases online and in person. As teens use the account and debit card, adult co-owners have transparent oversight and you'll have visibility into each transaction through the Huntington Mobile Banking app or Online Banking.

To open a Teen Banking account, the adult and teen must visit a Huntington branch together to begin the application process. Adult co-owners will need to present two forms of government-issued ID, such as:

• Driver's license
• REAL ID card
• DoD ID card (also known as Department of Defense ID Card)
• Passport
• Social security card

If adult co-owners have a Huntington Perks Checking^®, Huntington Platinum Perks Checking^®, or Huntington SmartInvest Checking^® account, we’ll waive the Teen Banking monthly maintenance fee. Otherwise, it is $5 per month and will be assessed to the Teen Banking Account.

Teen Banking is limited to one teen on the account and one parent/adult who will have access to debit card spend settings. Separate accounts are required for each teen. An adult must always remain on the account as a joint owner. Each Teen Banking account requires a separate application process, but adult co-owners can manage multiple Teen Banking accounts from the My Circle section of Online Banking or the Huntington Mobile Banking app.

Teens can complete a variety of transactions, including:

• Debit card purchases online and in person
• Online banking transfer requests
• Mobile check deposits
• ATM check deposits
• Zelle^® transactions (teens under 18 are subject to lower Zelle^® limits)

As an adult co-owner, you can set customizable debit card controls on:

• 50+ spending categories
• ATM access and withdrawals
• Spending limits

How to set up a digital wallet:

1. Make sure you have digital wallet available on your Apple, Google, or Samsung device. If not, you may download from the app store.
2. Navigate to the 'Add to Wallet' section within the app and select the card type you wish to add.
3. Either take a picture of the card or you may manually enter your card information.
4. Continue through the prompts, agreements, and additional devices you wish to add.

Certain age requirements and restrictions may apply for your teen’s digital wallet account.

You and your teen can continue to use your Teen Banking account after they turn 18. Some limits and restrictions may be lifted from Zelle^® and your digital wallet.

Even though the debit card will be printed in your teen's name, the adult co-owner must activate the debit card online or on the Huntington Mobile app. To activate online, visit huntington.com and log into your account. Select the Service Center tab at the top and click Activate Card under Debit & ATM Cards. Finally, enter the three-digit security code on the back of your debit card and click Activate.

To activate your new card using your phone, open the Huntington Mobile app and log in. Click More, then click Manage Cards and select your card. Enter the three-digit security code on the back of your card and click Activate.

Because the parent owns the debit card, they’re also responsible for managing it and can take administrative actions, including:

• Card Reporting (Lost/stolen)
• Card Replacement (Broken)
• PIN Resets
• Locking/Unlocking card
• Spend Settings

Parents and teens can set up nicknames for their accounts separately. Nicknames can help you more easily identify blocked transactions.

There must always be an adult joint account holder on the Teen Banking account. If the adult joint account holder removes themself as an account owner, the account will be systematically closed.

In general, transactions that would exceed the available balance in the account will not be permitted; however, in some circumstances, it may be possible for a transaction to overdraw the account due to network processing rules. For example, a restaurant bill may be authorized for payment because the account has sufficient funds available to cover the bill, but the addition of a tip may result in an overdraft when the transaction later posts to the account. Even in these rare circumstances, there will not be an overdraft fee assessed.

Your teen’s transfer limits will not be the same for Zelle^®, Bill Pay, and External transfers. Anyone under the age of 18 who is a joint checking account holder on any checking product at the bank will be subject to lower limits. These limits will increase once the minor reaches the age of 18.