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    Dinero Visa®

    The best first credit card for your teen.

    Apply Now

    Teach your teen about credit cards.

    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.1
    0% APR for 12 Months

    0% intro APR for the first 12 Months2

    Low APR of 9.90% after the intro period

    No Annual Fee

    No annual fee

    No Over-Limit Fee

    No over-limit fee

    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.

    Earns unlimited reward points on purchases3

    No Over-Limit Fee

    No over-limit fee

    Mobile app available

    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.

    The 2024 Carl R. Young Memorial Scholarship is now closed for submissions. Winners will be notified soon. 

     
    Download the Application

    Dinero Checking

    Starting your teen on the path to financial success is important, and our Dinero Checking account is here to help. Dinero Checking is a perfect first checking account to teach your teen on how to manage their finances while giving you the peace of mind knowing you’ll be able to monitor their spending.
    Learn More

    Frequently Asked Questions about Dinero Visa
    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
    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 credit card PIN”. Please have your card available.
     
    When on the Accounts Summary page in cuAnywhere® Online Banking, click on the credit card you’d like to check under the Credit Cards section.
    Yes, we offer a Secured Visa® credit card that allows you to improve your credit history responsibly.  

    Dinero Teens Newsletter

    Dinero Teens: A Guide to Tipping
    Knowing how and when to tip is a key part of growing up. Tipping is a way to show appreciation for good service and support people in jobs that often rely on tips to make a decent living. Here's a guide to help you navigate the sometimes-confusing world of tipping etiquette.
    August 09, 2024

    Dinero Teens: Check-Writing 101
    In an era of digital payments, you may not regularly need to write a check to complete a purchase. But at some point, you will likely want or need to write a check because it’s the best option available.
    October 03, 2023

    Dinero Teens: How to Make Money Management Less Confusing
    If you think managing your money is challenging, you’re not alone! Nearly three-quarters of teens (74%) say they’re not confident about their personal finance knowledge, according to a recent survey.
    August 30, 2023

    Dinero Teens: What's a Credit Score?
    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
    1 Must be 16 years old to apply. Co-signer required.

    Credit qualifications for co-signer apply.
    2 After the 12-month introductory period, your APR will be 9.90%. APR=Annual Percentage Rate. 0% Credit Card Balance Transfer Terms and Conditions: Introductory balance transfer offer must be used within the first 12 months after account opening and is available for a single balance transfer request. Multiple balances from other non-Advancial Federal Credit Union accounts may be combined into a single 0% balance transfer request, but the balance transfers must be requested at the same time. If you do not pay off a 0% balance transfer balance within twelve months of the transfer, the remaining balance will then be subject to the Standard Rate. Balance transfers performed after the initial introductory offer will incur the same APR as the account and will incur a 3% balance transfer fee, unless otherwise stated in a separate promotional offer.
    3 Earn unlimited 1% rewards on all purchases up to $2,500 and unlimited 1.5% rewards on all purchases when you spend $2,500+ in one statement cycle.
    View Cardholder Agreement (PDF)
    View Rates and Fees (PDF)
    View Advancial Rewards Terms and Conditions (PDF)
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