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Evolve Young Adult Checking

Young adults are in a unique and eventful part of their lives. Learning how to responsibly manage your finances is one important part of it. Let’s face it, the transition to ‘adulting’ has its share of challenges. So we designed the Evolve Young Adult Checking to help make managing your financial life easier.

It gives you everything you need. With great features like FOURgiveness™, no monthly fee, exceptional mobile-friendliness and more, it’s the right kind of checking account for this time in your life. If you’re already a checking member, and between the ages of 16 and 24, you’re automatically an Evolve account holder. If you don’t currently have a checking account, stop by one of our branches or apply online to get started.

The right features, at the right time.

FOURgiveness™

Four ‘oops’ fees reimbursed per year
for when you accidentally step in it.
No questions asked.¹

ATM Fee Reimbursements

ATM fees from out-of-network locations reimbursed
(4 per year), giving you the freedom and convenience you need when you’re on the move.

Nationwide Access

No fee at over 30,000 ATMs and 5,000 shared branch locations. Again, it’s all about convenience and stepping up your game.

No Monthly Fee

No account maintenance fee—not even one tied to a minimum balance, because we don’t require one.

Parent Transfer Line

Lets parents deposit money easily in your account for those times you need a hand. Program limited to member-to-member transfers only.²

Mobile App

Features Fingerprint ID, Quick Balance, mobile deposit and more so you always know where you stand.³Learn more and download.

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Federally Insured by NCUA.

For complete program details and specifics on benefits and how to apply, click here. Evolve checking account available for members age 16-24. Upon turning age 25, Evolve account holders will be converted to standard checking account holders.

¹Overdraft forgiveness reimburses the first four fees annually resulting from an overdraft transfer, NSF or Courtesy Pay transaction. USF FCU offers standard overdraft practices (Convenience Pay) in which we may authorize and pay overdrafts when you don’t have enough money in your account to cover a transaction. We also offer other overdraft protection plans such as a link to a savings account or line of credit, which may be less expensive than our standard overdraft practices. Under our standard overdraft practices, we will charge you a fee of up to $10 each time we pay an overdraft of $5 or less and we will charge you $29 each time we pay an overdraft larger than $5. If an overdraft occurs on your account and, at the credit union’s discretion, we do not authorize and pay the transaction, your transaction will be declined and you may be subject to an NSF Fee according to our current Fee Schedule. USF FCU will have the discretion to pay overdrafts on accounts in good standing, any such payment is a discretionary courtesy, and not a right of the member or an obligation of USF FCU, and USF FCU can cease paying overdrafts at any time without prior notice of reason or cause. USF FCU will not pay overdrafts for ATM or everyday debit card transactions unless you have opted into the payment of these overdrafts. USF FCU encourages all members to manage their accounts responsible to avoid applicable fees.

²Member-to-member transfers through mobile app or linking accounts via online banking only. There is no fee from USF Federal Credit Union to use mobile banking. Data, usage and message rates may apply. Contact your wireless service provider for more details. ³Phone must support this feature. Mobile check deposit available for account holders age 16 and older. Not all check images can be sent via mobile.