Teen Checking The Teen Checking account is for youth ages 13-17 with a parent or guardian as a joint owner. Apply today! Apply online below, stop in one of our branches, or contact us at 410-828-4730, 800-234-4730 or memberservices@bcefcu.com. Apply Now > Teen Checking Features No minimum balanceNo monthly feesFree VISA Debit cardAccess to 55,000 Allpoint ATMs nationwideOnline, mobile and phone banking