Teen+ Checking
Give Teens Freedom. Keep Parents Connected.
Looking for a checking account that helps your teen learn smart money habits?
Our Teen+ Checking account is designed for ages 11–171, giving young savers independence while parents stay in the loop.
Account features include:
- Direct deposit ready – Perfect for paychecks, allowances, or summer jobs.
- Mobile banking access – Check balances, track spending, and manage money on the go.
- Free debit card – Secure, convenient, and easy to use.
- Optional Round-Up savings feature2 – Automatically round up purchases and save the change.
- Birthday bonus! – Get $10 every year3 on your birthday.
Start them off right with an account that grows with them — and keeps you connected every step of the way.
Reach out to your local branch today or give us a call to learn more!
Get in touch: 866.937.1134
To contact us, Start HerePlains Teen+ Checking is available to customers ages 11-17. A parent or legal guardian is required as a joint account owner. Accounts cannot be opened online. All applications must be completed in-branch with both the minor and the parent/ guardian present.
The parent/guardian joint owner has full access and control over the account until the minor turns 18 years of age. The parent/guardian may:
- Review all account activity and balances
- Change account settings or restrictions
- Authorize changes to debit card limits (written or verbal authorization required)
- Close the account at any time
Minors are not permitted to make changes to the account without parent/guardian approval.
1At age 18, the Plains Teen+ Checking account will automatically be converted to a Free Checking account. The Parent/guardians remain on the account.
2Optional Round-Up Feature: Plains Teen+ Checking offers an optional Round-Up feature, which automatically rounds each debit card purchase up to the next whole dollar.
The difference in "cents" between the purchase amount and the rounded-up dollar amount will be automatically
transferred from the Teen+ Checking account into a linked Sprout Savings account.
To enroll in Round-Up:
- The account must have an eligable Sprout Savings account linked.
- The feature must be explicitly opted-in and accepted by the parent/guardian.
Parents/guardians may disable Round-Up enrollment at any time.
Round-Up is not automatic; enrollment requires separate consent from the parent/guardian at account opening or later.
3Birthday bonus: The bonus will be deposited within 5 business days of the minor account holder’s birthday. No minimum balance or deposit is required to earn the bonus. Only one $10 birthday bonus will be credited per account per year. The bonus will be considered interest income and may be reportable to the IRS.