Student Checking

Young Adult Checking Accounts

POV: You choose a checking account that is fast, free, and secure.

EZ Card

This reloadable debit card makes everyday purchases simple with no overdraft fees —  ever. Perfect for storing your birthday money to depositing your first paycheck. 

  • Ideal for ages 12-16 
  • Free account with no monthly service fee 
  • Make deposits and withdraw cash at more than 30,000 fee-free ATMs nationwide
  • Plus earn APEX Rewards Points

Free Checking

Whether you landed that first job, or it's time to upgrade your account, Free Checking is the perfect choice. With no minimum balance and instant access to funds, use this account for making every day purchases, paying bills, and everything in between.

  • Ideal for ages 17+
  • Get paid up to two days earlier when you sign up for Direct Deposit
  • Free cell phone insurance*
  • Includes access to Zelle® money-transfer system
  • Plus earn APEX Rewards Points


Neither accounts require a monthly fee. The EZ Card includes protection from overdrafts which means no overdraft fees- ever! You can set up overdraft protection with a Free Checking account by using a savings account. 

APEX Rewards is a program for members to earn APEX Points that can be redeemed for merchandise, travel, gift cards, cash back, and more! And no, it's not just a credit card thing, you can earn APEX Points on debit card purchases and loans.

Deposit checks, make money transfers, and find the closest ATM near you all within the FPCU Mobile App. Plus, FPCU has branches throughout Southern California and a branch in South San Francisco- find a local branch near you. 

Yes! A parent or legal guardian is required to be a joint owner before opening an account. Visit a local branch or schedule an appointment to learn more and open an account today! 

Yes, parents and legal guardians are able to view transactions and track spending throught the FPCU Mobile App.

Mobile Banking

Manage your money anytime, anywhere with our easy-to-use app.

APEX Member Rewards: 250 APEX Points per month when you complete 15 or more debit card signature transactions totaling a minimum of $1,000. For complete details on the terms and conditions, please refer to the APEX Rewards Terms and Conditions.

Minimum opening deposit of $25.

Direct Deposit: Early access to direct deposit funds depends on the timing of submission of the payment file from the payer. Generally these funds are made available on the day the payroll file is received, which may be up to 2 days earlier

*Free cell phone insurance when you pay your monthly cell phone bill with your Financial Partners debit card.