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
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.
The 2025 Carl R. Young Memorial Scholarship is now closed for submissions. Winners will be notified soon.
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.
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:
To activate your card in cuAnywhere® or the Advancial Mobile App:
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Card Management > Card Maintenance
- Click Card Activation and follow the steps provided
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Card Management > Card Maintenance
- For cuAnywhere, click PIN Management
- Select the card in which you’d like to change your PIN and click Continue
- Enter your new PIN and click Save
- For the Advancial Mobile App, click PIN Set and follow the same steps mentioned above
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:
To lock your card in cuAnywhere® or the Advancial Mobile App, follow these steps:
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Card Management > Card Controls
- Select or add the card in which you’d like to lock
- For cuAnywhere®, click Lock or Unlock the card
- For the Advancial Mobile App, click the icon so that it shows Locked
- If you find your card, simply use the same steps to unlock it and begin using it again
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Card Management > Card Maintenance
- For cuAnywhere®, click Block Lost/Stolen Card
- For the Advancial Mobile App, click Card Blocking
- 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:
You may also contact your local branch, our Member Service Center or order them in cuAnywhere® Online Banking.
To order through cuAnywhere:
- Log in to cuAnywhere® Online Banking
- Select Manage > Order Checks
- Select the account in which you’d like to order checks
- Fill out the information on the check order page you’re redirected to
Dinero Teens: Claim Your Cash — Don’t Leave Free Money Behind!
While college can be expensive, scholarships can help ease the financial burden—and the best part? Scholarships are essentially free money you don't have to pay back.
April 22, 2025
Dinero Teens: How to Ask for a Raise or Negotiate Your Salary
Negotiating your salary or asking for a raise might feel scary, but it's normal and can seriously pay off. Here's how to do it without feeling awkward or sounding ungrateful.
June 11, 2025
Dinero Teens: How to Build Credit Without Wrecking It
Credit might seem like a boring adult thing, but it's a tool that helps open doors for your future. Learn how to use it wisely now!
June 11, 2025
Dinero Teens: How to Track Your Expenses: Simple Ways to Manage Your Money
Ever wonder where all your money goes? Learning to track your expenses is a key step in managing your money wisely. The good news? With the right tools and a little effort, it's easier than you think!
June 11, 2025
1
Earn one point for every $5 spent on all non-PIN-based transactions.
