RiseUp Rewards Teen Checking – A Cash Back Checking Account for Teens
COMING SOON
RiseUp Rewards Teen Checking: A Checking Account Built for What’s Next
Your first checking account should do more than hold your money
The RiseUp Spend Account from US Community Credit Union is designed for ages 10–24, giving young members the tools to spend confidently, manage their money and earn rewards along the way. Whether you’re buying lunch, filling up your car, shopping with friends or learning how to manage your first paycheck, RiseUp helps you build smart money habits while rewarding you for using your account.
Your Money. Your Rewards
EARN 3% CASH BACK*
Earn 3% cash back on qualifying debit card purchases, up to $10 per month
Plus
- Get up to $5 in ATM surcharge refunds each month if all Qualifying Monthly Requirements are met (monthly requirements listed below)
Flex Rewards High Yield Checking Account Features & Benefits:
FLEX Rewards Checking was built for people who want more from everyday banking. As one of today’s best high interest checking accounts, Flex Rewards Checking combines convenience, flexibility, and rewards in one place. If you’ve been looking for a checking account with rewards, checking accounts with high interest, and competitive high yield checking account rates, Flex Rewards Checking gives you the ability to choose how your account works for you.
What is a RiseUp Rewards Teen Checking Account?
Your First Step Toward Financial Independence.
RiseUp Spend is a checking account created specifically for young members ages 10–21.
It gives you the everyday banking tools you need to manage your money while providing an opportunity to earn rewards for developing good financial habits.
With RiseUp, you can use your debit card for everyday purchases, access your account through Digital Banking and keep track of your spending, all while working toward earning monthly cash back rewards.
It’s real-world money experience with a little extra reward built in.
How Does a RiseUp Rewards Teen Checking Account Work?
Use It. Track It. Get Rewarded.
Earning your RiseUp rewards is simple.
Use your debit card for everyday purchases, maintain positive account balance, and access digital banking. Once Qualifying Monthly Requirements are met, you’ll receive:
✓ 3% Cash Back on qualifying debit card purchases up to $10 per month*
✓ Receive up to $5 per month in eligible ATM surcharge fee refunds*
That means the everyday habits that help you learn to manage your money can also help you earn a little money back.
What are the Qualifying Monthly Requirements to receive your RiseUp Rewards?
Three Simple Things. Every Month.
Complete these monthly requirements:
- Use Your Debit Card. Make 10 debit card purchases of $10 or more per month (ATM transactions excluded)
- Keep Your Balance Positive. Make sure you are maintaining a positive account balance throughout the month.
- Check In Digitally. Access USCCU Digital Banking (online banking or mobile app) at least once per month
10 Purchases + Positive Balance + Digital Banking Access = RiseUp Rewards
Banking That Goes Where You Go
Your RiseUp Rewards Checking Account is Always Close By.
Whether you’re at school, at work, hanging out with friends or away at college, RiseUp gives you convenient ways to stay connected to your money.
Features:
- Digital Wallet Ready – Add your debit card to your favorite digital wallet and pay with your phone.
- Digital Card Issuance – Access your card information quickly from the app.
- Card Controls & Alerts – Turn your card on/off and receive instant transaction notifications.
- Instant Issue Debit Cards – Walk out with your card and start using your account faster.
- Round-Up Savings Transfers – Round purchases up automatically and transfer spare change toward your savings goals.
Insured Up To $250,000
Your credit union certificates, savings and checking accounts are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. This guarantees your deposits are safe and secure at the credit union.
*Flex Rewards Disclosure:
APY=Annual Percentage Yield. Rates current as of 8-18-2026. Monthly reward received depends on option chosen; High Dividend or Cash Back. If High Dividend Reward is chosen: APY is 4.00% and will be paid on balances up to $10,000 if Qualifying Monthly Requirements are fulfilled within the calendar month. Accounts that do not fulfill requirements within the calendar month will receive .05% APY. All balances over $10,000 will receive .05% APY. If Cash Back Reward is chosen: A cash rebate of 3.00% of the amount of debit card purchases posted to your account during the calendar month will be paid up to a maximum of $15 per month, if Qualifying Monthly Requirements are met. Qualifying Monthly Requirements for both options include A) minimum 15 debit card purchases of $10 or more, excluding ATM transactions, B) aggregated direct deposit of $1,000 OR $500 average daily balance; and C) access digital banking. Monthly Fee may result if none of the Qualifying Monthly Requirements are met during the calendar month. Rates and terms based on requirements. Rates subject to change without notice. Minimum initial deposit is $50. Reimbursements for nationwide ATM withdrawal fees incurred within your Flex Rewards Checking Account will be made up to an aggregated total of $10 per calendar month ONLY if Qualifying Monthly Requirements for the account are met for that calendar month. Membership required. Terms, conditions, and restrictions apply. Insured by NCUA.