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Smart banking for teens and young adults

Your first checking account starts here

Start Financial Program logoOpen your first checking account with Advantis. We’ll help you get off to a great start. It’s part of our Start Financial Program which offers special accounts, learning, and advice for teens, young adults, and members new to loans.

If you’re under 18 years old: We welcome you to open a Start Checking account, as long as a parent or guardian becomes a joint owner on your account. Parents will have access to monitor and help manage their child’s account and transfer funds to them through online and mobile banking.

Cashback debit cardStart Checking  

  • For members age 14 to 22
  • FREE – no monthly fee
  • Pays you unlimited cash back on debit card purchases of $3.00 or more!*
  • No long list of requirements – just sign up for eStatements
  • Free online banking and mobile app means this account moves with you

Additional features

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Get your deposit up to two days early

Advantis Early Payday™ is included free with every checking and savings account. Learn more.

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Earn (truly) unlimited cash back

Every time you spend $3.00 or more with your Cashback debit card, you’ll earn $0.10. No caps. No limits.

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Always free, no matter what

Unlike many big banks, Advantis charges you no monthly fee.  In fact, we pay you every month in cash back!
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No complicated requirements

Just sign up to receive your monthly statements by email and you qualify to earn cash back.

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Bank anywhere, anytime

Manage your accounts 100% online with our free Advantis Mobile Banking app.

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30,000 surcharge-free ATMs nationwide

Get cash at 100+ ATMs in Portland, and thousands nationwide through the Co-op network.


Boost your money smarts with free online learning

After you open any account or loan that’s part of the Start Financial Program, we’ll email you short videos that will teach you all the basics when it comes to your finances. Below are the videos you’ll receive after you open your Start Checking account.

Click to watch now:

Checking Accounts
Healthy Financial Habits
Preventing Overdraft Fees

Want to keep learning now?  Watch more videos:

Financial Education Center

Bank from your phone – anywhere, anytime

Manage and move your money in just a few taps with our Advantis Mobile Banking app.
  • It’s like a branch in your pocket
  • Check your balance and transfer money in seconds
  • Deposit your checks from your phone, anytime
  • Set up account alerts
  • Use Apple Pay®, Samsung Pay®, Google Pay™ with your debit card
  • Parents: As a joint account owner, you’ll have access to monitor and
    help manage your child’s account and transfer funds to them

Learn more about Advantis Online & Mobile Banking:

Online & Mobile Banking

Mobile app on a mobile phone


It’s easy to open a Start Checking account!

First, a couple simple questions:

Are you 18 years old (or older)?

You have several options to open a new Start Checking account:

Are you under 18 years old?

Great! We’re so happy you’re getting a head start on your financial life. Because a parent or guardian must be a joint owner on your Start Checking account, please:

For additional information
  • Send us a secure email inside Online Banking.
  • Call us at 503-785-2528, Mon – Fri, 8am – 6pm.


*Minimum amount to open a Start Checking is $25. To earn cash back you must be signed up to receive eStatements from Advantis. You will earn $0.10 on every qualifying purchase that posts during the account cycle. A qualifying purchase is a purchase of $3.00 or more that is made with the debit card tied to your Start Checking account, including purchases made with your card through a Digital Wallet supported by Advantis and purchases made with your debit card online. For purposes of the Start Checking account, the account cycle runs from the first day of the month to the last day of the month. Your cashback will be posted to your Start Checking account on the first day of the month following the close of the account cycle. You will not receive any cashback for any purchases posted during the same month you close your account. You must be between the ages of 14 to 22 years old in order to qualify for the Start Checking account. On the first day of the month following your 23rd birthday, your Start Checking account will convert to a Cashback Checking account.