A debit card can give a young person a practical way to learn about spending, but the card agreement and available account controls determine how it works. Review those terms with the child before using a card.
Talk about where the card may be used, how purchases will be tracked, and what to do if the card is lost. Explain that a debit card uses money associated with an account and that transactions may take time to appear.
Ask the financial institution whether alerts, spending limits, merchant controls, or other card-management tools are currently available for the account. Features and eligibility vary. Do not assume a control is active until it has been set up and confirmed.
Review transactions together, compare them with receipts, and discuss unfamiliar activity promptly. Keep login details and one-time security codes private, and use a verified channel to report a lost card or suspected fraud.
For current Noven CreditUnion card information and account terms, contact Noven CreditUnion.
