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    Dinero Checking

    The perfect first checking account for teens
    No minimum balance requirements
    No monthly service fees
    Unlimited debit card rewards
    One point for every $5 spent1
    Mobile wallet support

    Monitor Your Teen's Spending

    Using cuAnywhere® Online Banking, you can easily monitor your teen's account to keep an eye on their spending and balance to make sure they're being responsible with their financial freedom.
    Free instant-issue debit card
    Unlimited free ATMs worldwide

    Carl R. Young Memorial Scholarship

    Every spring, Dinero Teens members who are graduating juniors or seniors are eligible to apply for a chance to win one of four $2,500 scholarships. Named in memory of our longtime board member and volunteer, Carl R. Young, our hope is that this scholarship helps Advancial's young members succeed the way that Carl helped our credit union for so many years. Carl’s dedication and commitment to Advancial and our members was a vital part of our growth and success. His wisdom and long-term perspective helped guide and shape Advancial through many transitional moments in our history, and with this scholarship we honor his contributions and his memory.

    This contest is designed to allow them to show their creativity and passions for a chance at earning cash for college.

    Available application submissions

    • Essay
    • Illustration
    • Musical piece
    • Poem
    • PowerPoint or Prezi
    • Video
    The 2024 Carl R. Young Memorial Scholarship is open for applications from April 2, 2024 to May 25, 2024. 

    Eligibility:
    1. Applicants must be members of Advancial Dinero Teens.
    2. Applicants must be graduating high school juniors or seniors.
    3. Funds must be used for educational expenses at an accredited institution.
    4. Employees and volunteers of Advancial and its affiliates and their family members are not eligible to apply.
    When you are ready to submit your application, please click here to email us the application form and your submission. You will receive a confirmation email within two business days. 

     
    Download the Application

    Dinero Visa®

    Credit can be difficult to understand – especially for teens who are new to managing their finances. That’s why we created the Dinero Visa to help introduce teens to credit cards safely and responsibly, while making it simple for parents to monitor spending and provide guidance.
    Learn More

    Frequently Asked Questions about Dinero Checking
    You can activate your card in cuAnywhere® Online Banking, the Advancial Mobile App or by calling our Member Service Center at 800.322.2709, saying “activate my debit card” and following the prompts. Please have your card with you.

    To activate your card in cuAnywhere® or the Advancial Mobile App:
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. Click Card Activation and follow the steps provided
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. For cuAnywhere, click PIN Management
    4. Select the card in which you’d like to change your PIN and click Continue
    5. Enter your new PIN and click Save
    6. For the Advancial Mobile App, click PIN Set and follow the same steps mentioned above
    You can also contact our Member Service Center at 800.322.2709, or 1+ 214.880.0141 for international calling, and say “change my debit card PIN”. Please have your card handy.
    If you’ve lost your card or believe it has been stolen, lock your card in cuAnywhere® Online Banking or the Advancial Mobile App immediately. You can also contact our Member Service Center at 800.322.2709 and speak with a Member Service Representative who will be able to lock your card and order you a new one.

    To lock your card in cuAnywhere® or the Advancial Mobile App, follow these steps:
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Controls
    3. Select or add the card in which you’d like to lock
    4. For cuAnywhere®, click Lock or Unlock the card
    5. For the Advancial Mobile App, click the icon so that it shows Locked
    6. If you find your card, simply use the same steps to unlock it and begin using it again
    If you know your card has been stolen, follow these steps:
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. For cuAnywhere®, click Block Lost/Stolen Card
    4. For the Advancial Mobile App, click Card Blocking
    5. Select the card in which you’d like to block and click Block or Submit
    If you use your Visa® debit card to make purchases, the merchant may put a hold on your account for the purchase amount. Once the charge comes through on your account, the hold is released.
    Yes, all of our checking accounts allow you to use any ATM worldwide, whether it’s an Advancial ATM or an ATM from another financial institution, for free. If you are charged ATM fees from another financial institution, we will automatically reimburse those fees.
    Simply click here and enter Advancial’s routing number (311078857), enter the account number you’d like to order checks for and your zip code.

    You may also contact your local branch, our Member Service Center or order them in cuAnywhere® Online Banking.
    To order through cuAnywhere:
    1. Log in to cuAnywhere® Online Banking
    2. Select Manage > Order Checks
    3. Select the account in which you’d like to order checks
    4. Fill out the information on the check order page you’re redirected to
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    October 03, 2023
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    August 30, 2023
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    While you may know a lot about test scores, how much do you know about credit scores? One day, these scores will have an important influence over financial matters in your life, so it pays to learn about them sooner rather than later.
    September 18, 2023
    Dinero Teens: Why Advancial Versus Other Alternatives?
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    February 24, 2023
    1 Earn one point for every $5 spent on all non-PIN-based transactions.
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