Check 24
A checking account built for members aged 14 to 24, with a yield on your first $2,500 and a round-up plan that saves without you noticing.
See Current Rates for today’s figures.
Built for Getting Started
Check 24 is for young adults building their first real financial habits. It earns on your first $2,500, and its Round Up Savings Plan rounds every debit purchase to the next dollar and moves the difference into savings. Spend $5.75 on a coffee and 25 cents goes to savings.
What You Should Know
3.00% APY to $2,500
Members may earn 3.00% APY on the first $2,500 on deposit.
Round Up Savings Plan
Every debit purchase rounds to the next dollar and the difference goes to savings.
Ages 14 to 24
Eligibility is age-based and the account changes when you age out.
No Fees
Enjoy straightforward savings with no monthly fees.
Free Debit Card
A debit card is one of the conditions, and it is free.
What Happens at 25
No automatic conversion at 25. We will help you compare other checking options.
What You Will Need
- Aged between 14 and 24
- Waypoint membership
- A parent or guardian for members under 18
- A minimum balance of $0.01 is required at all times.
Current Rates
Kasasa Cash
As high as
3.50%APY¹
Kasasa Saver
As high as
3.00%APY¹
Check 24
As high as
3.00%APY¹
Youth Super Saver
As high as
4.00%APY¹
APY = Annual Percentage Yield. Rates effective October 1, 2026 and subject to change without notice. Kasasa Cash rate applies to balances up to $15,000 when certain criteria are met. Kasasa Saver rate applies to balances up to $50,000 when certain criteria are met. Youth Super Saver rate applies to the first $10,000 on deposit. Check 24 rate applies to the first $2,500 on deposit. See product pages for full details.
Open an AccountView all savings and deposit account rates
| Account Type | APY | Minimum Required Balance |
|---|---|---|
| Share Savings | 0.05% | N/A |
| Share Club | 0.05% | N/A |
| Health Savings | 0.25% | N/A |
| IRA Share | 0.10% | $50 |
| Youth Super Saver | 4.00% | N/A |
| Kasasa Saver: Qualified, below cap | 3.00% | N/A |
| Kasasa Saver: Qualified, over cap | 1.50% | $50,000 |
| Kasasa Saver: Non-qualified | 0.05% | N/A |
| Kasasa Cash: Qualified, below cap | 3.50% | N/A |
| Kasasa Cash: Qualified, over cap | 0.30% | $10,000 |
| Kasasa Cash: Non-qualified | 0.05% | N/A |
| Nonprofit Money Market: Tier 1 | 0.30% | N/A |
| Nonprofit Money Market: Tier 2 | 3.00% | $10,000 |
| Nonprofit Money Market: Tier 3 | 3.50% | $100,000 |
| Money Market: Tier 1 | 0.10% | $2,000 |
| Money Market: Tier 2 | 0.15% | $25,000 |
| Money Market: Tier 3 | 0.20% | $50,000 |
| IOLTA Checking | 0.75% | N/A |
| Check 24 | 3.00% | N/A |
| Health Savings Account Money Market: Tier 1 | 0.25% | <$1999.99 |
| Health Savings Account Money Market: Tier 2 | 2.50% | $2,000 – $9,999.99 |
| Health Savings Account Money Market: Tier 3 | 3.00% | $10,000 – $24,999.99 |
| Health Savings Account Money Market: Tier 4 | 3.50% | $25,000+ |
Common Questions
This account carries no monthly service fee. The only restriction is that a member must be between 14 and 24 years old to be eligible for a Check 24 account.
Each debit card purchase rounds up to the next whole dollar and the difference moves to your savings automatically.
Nothing converts automatically. Around your 25th birthday a Waypoint Credit Union representative will walk you through the other checking options, including Kasasa Cash and Kasasa Cash Back, which reward the everyday debit card use you are already doing.
Not sure which fits? Ask a Waypoint Credit Union representative
A Waypoint Credit Union representative will compare the options against what you are actually trying to do, including the ones we do not advertise heavily. Open online, or book a time at any Waypoint branch.
Important Disclosures
This account has no monthly service fee. Member must be between 14 and 24 years old to be eligible for a Check 24 account.
APY is Annual Percentage Yield. Members may earn 3.00% APY on the first $2,500 on deposit. The actual rate may vary.
Federally insured by NCUA.
APY = Annual Percentage Yield. Rates are accurate as of September 28, 2026, are variable, and may change after the account is opened. Fees may reduce earnings.
Kasasa Cash and Kasasa Saver rates depend on meeting the monthly qualifications. Cycles that do not qualify earn the stated non-qualified rate.
Youth Super Saver: the stated rate applies to the first $10,000 on deposit. Check 24: the stated rate applies to the first $2,500 on deposit.
Health Savings Account: special rules govern the use of HSA funds, withdrawals and deposit limits. See a Waypoint representative for an account agreement and additional disclosures, and see your tax advisor about the tax advantages and liabilities of an HSA.