Empowering the Next Generation of Smart Spenders

Pacific Checking offers teens and college students (ages 25 and under) the opportunity to learn how to manage their own money, without monthly service fees. The account is opened with the teenager or student as primary owner. For ages 13-17, a parent or other responsible adult is also added to the account as joint owner.

A Winning Combo: Pacific Debit Mastercard® & Your Digital Wallet

Pacific Debit Card


Make payments easily and securely using your iPhone®, iPad®, or Apple Watch®.


Add your card to your Samsung® device and pay with just a tap.


Use Google Pay™ for faster checkout with compatible devices.

Pacific Debit Mastercard® is Ready for Your Digital Wallet





Teens and Students Will Enjoy
  • Their own Debit Mastercard® issued at the branch, with Apple Pay®, Google Pay™, and Samsung Pay® compatibility
  • Access to nearly 30,000 surcharge-free CO-OP Network ATMs, with many on college campuses
  • A Mobile App¹ to deposit that financial aid check, find an ATM, or pay back friends
  • No minimum balance requirement and no monthly service fee
  • The ability to start an account with just $25
  • Two free boxes of Credit Union custom-designed personal checks per year²
  • The option to add Pacific Savings to store money and make automatic transfers when their checking balance is running low³


Parents of Teens Ages 17 & Under Will Also Appreciate
  • Online transfers to the teen’s account for allowance, good grades, or anything else
  • Parental controls within our Mobile App and website to
    • Monitor the account balance and activity
    • Set up alerts (text, push notification, or email) to stay in the know about transactions or if the account is nearing a low balance

Online Application


Open Pacific Checking: Ages 13-17

Due to privacy laws surrounding online collection of minors’ personal information, we ask that a parent or other responsible adult visit any branch location to start the account. Please bring the teen's state-issued ID and their basic information (name, address, birthday, Social Security number). Although the teen is not required to be present, it's a valuable opportunity to learn how to do their own banking, so we recommend you bring them along!

¹Message and data rates may apply. Contact your mobile provider for details. For mobile check deposit, eligibility requirements and deposit limits apply. Funds from deposits may not be available for immediate withdrawal.

²Free checks with Direct Deposit, Platinum Members, or Members age 62 or better.

³You may link your Pacific Checking account to your Pacific Savings. 

Membership in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don't live or work in our area? You may also qualify if your immediate family member banks with us. Ask us for details. Membership fee is $5.

Immediate Family Includes:
Adoptive Relationships

Must be 18 or older to open an account online. Children’s and Business accounts must be opened in-person.

Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.