U22 Checking Account

The perfect student account!

At GTE Financial, Tampa Bay's hometown credit union since 1935, we have accounts for everyone! Our U22 checking account is designed for those ages 12 to 22.

And like all our accounts, it’s free and comes with great features:

  • Available for ANYONE between 12 to 22 years old
  • Free debit card with reward points*
  • Free Online Banking, Bill Pay, Mobile Banking, eStatements & more
  • No minimum balance or direct deposit requirements
  • Once-a-month debit card overdraft forgiveness
  • Reduced NSF fees

With all the free high-tech features, it’s a sure way to get your kids engaged with their money and give them a positive experience with banking that will stay with them. Open a U22 Account today!

*Rewards points are awarded on signature-based transactions only. If you are prompted for a PIN but would rather sign for the purchase to earn points, simply ask the cashier to run it as credit. Maximum points accrued per cycle are 30,000; per year are 150,000. Business accounts are not eligible for CURewards. GTE checking is free. However, if incurred, fees such as a stop payment or NSF fee will apply. Please refer to the GTE Schedule of Current Charges for a list of fees.


Open a GTE U22 Checking account today!

How to Open a U22 Checking account

If you are older than 15, you can apply for a U22 Checking Account on your own.

You will need:

  • Social Security Number
  • Government issued ID (passport, identification card, etc.)
  • Adult authorization for use of a debit card – this form will be provided to you once you finish applying for the U22 Checking account
  • If you are already a GTE member, login to Online Banking and click ‘Open Additional Account’ under ‘New Accounts’ in the main navigation.
  • If you are NOT a GTE member, click here to apply to become a member and select 'Open Primary Account'. Once you are a member, login to Online Banking and open your U22 Checking account by clicking on ‘Open Additional Account.’

If you are under 15, grab a parent to apply and follow the steps above
  • Remember, the parent is not “Opening an Additional Account” under their name, but instead opening up a new, separate U22 Checking account for the child, so they have their own membership at GTE.

If you prefer, you can also visit a location or call us at 813.871.2690 or toll-free at 1.888.871.2690 to apply.