Meriwest Credit Union has found a way to get teens and parents working together and talking about money with Flow.

Launched early November, Flow is an electronic account that allows younger members to carry a personal Visa Debit Card rather than cash for purchases and entertainment. Both parents and the teen can manage the account through Meriwest's Online Banking module. In addition, parents have the ability to fund the Flow account from their personal accounts, monitor the transactions, establish regular automatic transfers, and even activate online alerts for balance levels or purchases.

As part of the program the over $1.3 billion credit union created a microsite www.meriwest.com/flow to jumpstart the money management conversations. There teens and parents can find detailed information about the card and program, talking points on financial responsibility and steps to open an online Flow account.