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Routing Number: 253177049
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Zard® Accounts

Is your teen ready for the next step toward financial independence? Set your teen up for success with Zard. This program teaches money management skills while giving your teen control of their own money.

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Graduate to adulthood with Zard

Empower your teen to develop healthy saving and spending habits with Zard. You get peace of mind knowing your teen is learning solid money management skills for their future. A win-win for everyone.

Zard Share Account

A Zard Share Account can be opened individually or joint with a parent, grandparent, or other responsible individual, as long as the teen is eligible for membership. The “share” represents the teen’s share of ownership in SECU, just like a regular Share Account.

Zard Checking Account

Zard lets teens control their money with access to a Checking Account and a Zard Visa® Debit Card for purchases and ATM transactions.

  • No minimum balance4

  • $1 monthly maintenance fee5

  • Competitive dividend rate.2 View our current Share and Deposit Rates.

  • A joint account with a parent, grandparent, or other responsible adult is required for members under the age of 18

  • Individual accounts are available for members ages 18-19 years old

  • Account automatically converts to regular SECU Checking Account when the owner turns 20 years old

What is needed to open an account

To open an account, visit your local branch or contact Member Services Support to request an account opening by mail. The following documentation is required for account opening:

  • Taxpayer Identification Number (SSN, ITIN, or EIN)

  • Proof of identity (government issued photo ID, Social Security card, or birth certificate) may be required

  • Applicable documentation for proof of eligibility

  • Initial deposit via cash or check

Find a branch (888) 732-8562
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Life insurance coverage at no cost

Teen Zard account holders are eligible to receive $1,000 of Group Term Life Insurance at no cost.3 

This coverage can be increased to $10,000 for $18 per year by:

  • A teen, if 15 years or older

  • A parent or legal guardian on the teen’s behalf if the teen is under the age of 15

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Related links

  • FAT CAT® Share Accounts

    Our FAT CAT program enables young members to open their first Share Account.
  • Education Savings

    Learn more about the Coverdell Education Savings Account and NC 529 Plans.
  • Mobile App

    Benefit from secure account access anytime, anywhere with the SECU Mobile App.
  • Debit Cards

    View our debit and CashPoints® card offerings and features.
  • Account Disclosures

    View our Account Rules and Regulations, Fees and Terms, and card disclosures.

  1. A $1 fee is assessed if the account balance is below $25 on the statement cut-off date.
  2. Dividend rate and annual percentage yield (APY) are variable and subject to change daily at the discretion of the Board of Directors.
  3. Coverage can be increased to $10,000 for $18 per year. FAT CAT and Zard Group Term Life Insurance is provided by SECU Life Insurance Company. SECU Life Insurance Company is a wholly-owned subsidiary of State Employees' Credit Union. Life Insurance is not guaranteed by, or an obligation of any credit union and is not insured by NCUA or any other federal government agency.
  4. No minimum balance is required to open a Zard Checking Account or earn the stated dividend rate. Once the account is open, sufficient funds must be maintained to cover the $1 monthly maintenance fee and other authorized fees and charges (e.g., debits, checks ordered, etc.).
  5. See our Account Rules and Regulations for how fees are debited from your account.
  6. If minor cannot sign, a parent or legal guardian must sign on the minor’s behalf even if the parent or legal guardian is not the joint owner.