Young Adult Checking for ages 18-20

Free checking designed for college students and young adults.

$0 dollar checking account

Open a checking account with as little as $0

zero minimum balance

Zero minimum balance, no maintenance fees $0

Earn interest

Earn dividends on your checking balance % APY*

It’s easy to get started. Open your account online in less than 10 minutes or visit a branch.

Simple checking with smart, no stress money management.

  • Pay for books, food and gas with your free Bethpage Debit Card
  • Get cash at one of the 30,000+ surcharge-free ATMs [1]
  • Check account balances without logging in on your phone or Apple® Watch®
  • Earn 0.50% APY * each month by simply using your debit card, getting a direct deposit, and being enrolled in e-statements.
  • No monthly maintenance fees and no minimum balance requirement
  • Free checks with direct deposit
[1] Surcharge free ATM's & shared branches are available nationwide through the CO-OP Financial Service network. Look for these logos:
Shared Locations
Online Banking Hub

Keep tabs on your money from the dorm room or on the go.

Make deposits instantly with mobile check deposit.

It’s as simple as signing your check and snapping a photo. Plus, it saves you a trip to the branch or ATM.

Pay for things without carrying cash or cards.

Whether it’s buying lunch or paying for school supplies, payments are fast and secure with Digital Wallet.

Send or receive money with friends and family via text or email.

Pay your friend back for lunch or get money from your parents in minutes.

Stay on top of your balances and how much you’re spending.

Keeping tabs is super easy via Text, Email and Push Notifications.


Who is eligible for a Bethpage Young Adult Checking Account?

Anyone between the ages of 18–20 is eligible to open a Young Adult Checking Account. To open a Young Adult Checking Account, you must establish membership by opening a $5 minimum Savings Account.

What happens when a Bethpage Young Adult Checking Account holder reaches the age of 21?

At the age of 21, a Young Adult Checking Account will automatically convert to a Free Checking Account. At that time, new debit cards will be issued to the account holders.

What should I do if I lose my debit card?

If your debit card is lost or stolen, contact Bethpage immediately.
• Inside the US: Call 866-820-2847.
• Outside the US: Call 516-349-6888.
If you need a new card today, please visit your local Bethpage branch.

Does a Young Adult Checking Account have a minimum balance requirement and/or any monthly maintenance fees?

A Young Adult Checking Account has no monthly maintenance fees and no minimum balance requirement.

Is a Young Adult Checking Account insured?

Yes, all Bethpage Federal Credit Union deposit accounts are insured up to $250,000 through the National Credit Union Administration (NCUA). The NCUA share insurance coverage applies to each share owner, per insured credit union, for each ownership category. For more information on NCUA’s share insurance, please visit this link or call toll-free 1-800-755-1030, option 1.

There aren't any Bethpage branches near me. Can I still do my banking in person?

Of course! While you still have full access to your accounts 24/7 with our Mobile and Online Banking, we have a nationwide network of over 5,600 Shared Branch locations nationwide and 30,000 surcharge-free ATMs through the CO-OP Financial Service network.

A Shared Branch is a credit union branch that participates in the CO-OP Financial Service network that allows members to do their banking including depositing or cashing checks and making withdrawals or loan payments at the Shared Branch locations as if they were at their own credit union.

To find your nearest CO-OP Shared Branch location or CO-OP ATM, use our branch/ATM locator. Look for the CO-OP logo for CO-OP ATM and CO-OP Shared Branch.
Shared Locations