ZChecking Landing


The Z-Checking™ account with a Visa® Debit Card and the Online Banking app helps teens — ages 12-17 years old — learn to manage money and earn up to 3% cash back each month.

Account Details:

  • 3% cash back on up to $200 of debit card purchases*
  • No category restrictions on purchases
  • Earn up to $6.00 cash back per month
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free Online Banking 
  • Free Visa Debit Checking Card
  • No minimum deposit to open

Earning Rewards Is Easy:

To earn your rewards, simply do the following activities and transactions in your ZChecking™ account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and log into Online Banking at least one time
  • Be enrolled in eStatements

Even if you don't meet your monthly qualifications, your account is always free. You’ll pay no penalties or fees and you can get right back to racking up rewards the very next month.

*When monthly qualifications are met, you receive 3% cash back on debit card purchases that post and settle to the account during monthly qualification cycle up to a total cash back of $6.00 per monthly qualification cycle. Qualifying transactions must post and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Limit one account per Social Security Number