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MONTBELLO, Calif. — Understanding that students have vastly different financial habits than their parents, Camino Federal Credit Union has launched a new checking account to set young people out on the right path.

The $86 million credit union has rolled out its Right Start checking account. The account is available to members in “good standing” who are full-time students at age 16. The account comes with free online and phone banking, free bill pay, and a line of credit up to $100 for overdraft protection. At age 17, those same members are pre-approved for a Visa credit card with a credit limit of at least $500.

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