Teen Checking Services Application


Baltimore County Employees Federal Credit Union

Please fill out the form on your screen, print out and mail to the address listed below. The Credit Union requires an INK Signature for this application. We will not accept a faxed copy. This helps reduce account fraud.

Baltimore County Employees Federal Credit Union
23 W. Susquehanna Avenue
Towson, Maryland 21204

Please note:
Signatures MUST be notarized on applications mailed to the Credit Union.

Please submit a copy of your drivers license or Photo ID and joint owner's drivers license (if applicable) with this application.

Are You in Good Standing?

I will receive the following benefits:


Teen Applicant Information

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- - (Month/Day/Year)
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Joint Owner (1) Information (if applicable)

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- - (Month/Day/Year)
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Joint Owner (2) Information (if applicable)

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- - (Month/Day/Year)
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Checking
Please provide only what you would like to appear on your checks.
- - (optional)
If you would like to receive Custom Check Designs, please contact our Member Services Department.

Products & Services
SmartCash VISA Check Card Teen Applicant Joint Owner 1 Joint Owner 2

I acknowledge that the Teen Checking Account at Baltimore County Employees Federal Credit Union (BCEFCU) comes with certain ongoing responsibilities. By signing this document, I and my joint owner agree to abide by the disclosed terms and conditions of all accounts or services that I may receive at BCEFCU. These terms and conditions incorporated herein by reference will be disclosed in accordance with applicable state and federal laws, and are provided in the Important Disclosures booklet to be mailed.

The Teen Checking Account is specifically for members of BCEFCU between 13 and 17 years of age. The minor must use their own social security number to establish this checking account. A parent or legal guardian of the teen applicant must be a joint owner on the Teen Checking Account. The joint owner must be at least eighteen (18) years of age and will be jointly and severally liable to BCEFCU for any returned items, overdrafts, or unpaid charges or amounts in connection with the account.

I agree to accept the SmartCash Visa Check Card with the Teen Checking Account according to the terms and conditions of the VISA Check Card Agreement incorporated herein by reference and provided in the Important Disclosures booklet to be mailed. The SmartCash VISA Check Card will have the following limitations: (1) Point of Sale (POS) maximum of $500 per 24-hour period; (2) ATM withdrawal maximum of $200 per 24-hour period; and (3) Overdraft line of credit is not available with this account. I agree to accept the QuickTeller Audio-Response (Phone Banking) & On-Line Services with the Teen Checking Account incorporated herein by reference. QuickTeller Audio-Response & On-Line Services is provided under the terms and conditions specified in the Important Disclosures booklet to be mailed.

BCEFCU may make payments of funds directly to the minor without regard to his/her minority status. BCEFCU has no duty to inquire as to the use or purpose of any transaction made by the minor or joint account owner. BCEFCU shall not change the account status when the minor reaches eighteen (18) years age unless authorized in writing by all account owners. All funds in the account shall be owned as a joint account with rights of survivorship unless otherwise indicated on my membership application on file with the Credit Union and incorporated herein by reference.

X _______________________________________________________ ______________
Teen Applicant's Signature Date
 
X _______________________________________________________ ______________
Joint Owner (1) Signature Date
 
X _______________________________________________________ ______________
Joint Owner (2) Signature Date

Baltimore County Employees Federal Credit Union logo Baltimore County Employees Federal Credit Union
23 W. Susquehanna Ave., Towson, MD 21204
410-828-4730

ABA/Routing Number: 2520-7575-7