- Personal
- Membership
- Membership
- Rates & Fees
- Checking
- Checking
- Personal Loans
- Personal Loans
- Wealth Management
- Investment Services
- Financial Advisors
- Resource Center
- Business
September 19, 2024
College Prep Checklist for High School Freshmen
Starting high school is the perfect time to begin your college prep journey—here’s a checklist to guide freshmen through these crucial early steps.
Some teens begin their freshman year of high school already stressed about college, while others wait until later to start preparing and applying. Is the teen who stresses early better off than the one who’s unprepared? Absolutely not. Are either of them wrong? Again, no.
However, there is a happy medium that all students can strive for to alleviate stress and prepare them for the day when college applications are due. The goal of this article is to assist every freshman in finding a healthy balance between enjoying their time in high school and preparing for their future. If you’re interested in our Four Year College Prep Checklist, we’ve provided a link to the list at the bottom of this article.
1. Academic Performance
To start, a freshman coming into high school should realize that everything they do in the next four years is documented and used—for good or for bad—when applying to colleges and even trade schools. This means it’s important to maintain a strong academic foundation while pursuing a high school education. This includes maintaining a certain standard when it comes to academic grades and character.
2. Extracurricular Exploration
Now’s the time for teens to explore different subject matter and extracurricular activities to find the hobbies and interests that speak most to them. Teens should consider joining clubs, sports teams, or even community organizations—for instance, the humane society if they love animals, community theater if they love to perform, etc.
Once a student finds the extracurricular activities they enjoy most, encourage them to lean into those for the next few years. For example, say the student finds enough fulfillment in soccer that they’re motivated to pursue it as a career in the future or even just throughout college. If that’s the case, look up opportunities related to soccer moving forward including a professional career as a soccer player, sports broadcasting, personal trainer, etc. Then lean into those interests moving forward.
Illustration: Chepe Daniel3. Build Relationships
Many future opportunities are heavily linked to others’ experiences and opinions of the candidate. Institutions want to know who they’re letting in before they send an acceptance letter. They do this by taking into account the opinions of the people who have seen their growth and interactions: teachers, mentors, counselors, etc.
Because of this, it’s important for students to build positive relationships with teachers, counselors, and mentors who’ll provide guidance and support as they strive to meet education and career goals. This support extends to future college and job requirements such as letters of recommendation, academic and job references, etc.
Illustration: Chepe Daniel4. Enjoy the Journey
The journey from high school to college is a significant transition in a teenager’s life, one that can be daunting if not approached with careful planning and consideration. That being said, there’s no reason for a student to be so focused on the future that they forget to live in the present. High school presents teens with tons of unique opportunities to try new classes and get involved in activities. All of those things can help a student stand out when they go to apply for college or move to the next step of their lives.
While it’s crucial for freshmen to begin thinking about their future education prospects, it’s equally important for them to remember that they are still adolescents who deserve to experience the joys of growing into an adult. By establishing a four year plan that prioritizes both academic and personal growth, students can navigate their high school years with purpose and fulfillment.
Disclaimer
While we hope you find this content useful, it is only intended to serve as a starting point. Your next step is to speak with a qualified, licensed professional who can provide advice tailored to your individual circumstances. Nothing in this article, nor in any associated resources, should be construed as financial or legal advice. Furthermore, while we have made good faith efforts to ensure that the information presented was correct as of the date the content was prepared, we are unable to guarantee that it remains accurate today.Neither Banzai nor its sponsoring partners make any warranties or representations as to the accuracy, applicability, completeness, or suitability for any particular purpose of the information contained herein. Banzai and its sponsoring partners expressly disclaim any liability arising from the use or misuse of these materials and, by visiting this site, you agree to release Banzai and its sponsoring partners from any such liability. Do not rely upon the information provided in this content when making decisions regarding financial or legal matters without first consulting with a qualified, licensed professional.
Posted In: General
Explore All The Ways We Can Help You Grow
-
Article
College Prep Checklist for High School Juniors
Use this college prep checklist to see what high school Juniors can do to prepare for college life early.
Keep Reading About College Prep Checklist for High School Juniors -
Article
5 Tips to Save Money on Holiday Shopping in 2025
We have five tips to help you save money on holiday shopping — without skimping on the joy or the fun.
Keep Reading About 5 Tips to Save Money on Holiday Shopping in 2025 -
Article
Teaching Tax Basics
Teach tax basics with Banzai’s financial literacy curriculum built for elementary, junior high, and high school students.
Keep Reading About Teaching Tax Basics
Lost or Stolen Card?
We’re here to help. If your card has been misplaced or stolen, we’ll act quickly to protect your account. You can report a missing card in the following ways:
Online and Mobile Banking
Log in and follow these three easy steps:
- From the menu, select Tools
- Select Card Manager
- Report your card as Lost or Stolen*
By phone or at a Grow store
Call 800.839.6328 to speak to a team member or let us know in person at any Grow store.Notice: Taking these steps will immediately cancel your card to prevent unauthorized transactions. If you find your card later after reporting it lost or stolen, it cannot be reactivated.
*The selected card will be canceled and removed from Manage Cards when it is reported as lost. Once your new card has been issued, it will be available in Manage Cards. The replacement card will have a new card number. Your replacement card will be sent to the mailing address on your account, and you should receive it within 7 to 10 business days.
How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.

Where to Find Your Checking Account Number in Grow Online and Mobile Banking
If you don’t have a physical check on hand, you can also locate your Checking Account Number for Electronic Transactions in Grow Online and Mobile Banking.*
Here’s how to find it:
- In the Grow Mobile Banking app, select your checking account, then tap Show Details in the top right corner.
- In Grow Online Banking, select your checking account, then click Account Details.
Don’t have a Grow check or Online Banking? No worries.
Visit any Grow store or call us and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
When it comes to making payments, we try to make it as painless as possible to pay your loan every month. We have several different ways to pay, including convenient online options.
Pay Online
You have two ways to pay online by transferring funds from another bank or credit union.
- Grow Online Banking (Preferred payment method for any loan)
This is the simplest way to pay your loan. You can make one-time payments or set up automatic recurring payments in Grow Online Banking. Once you log in, select “Transfer/Payments” from the menu. If you’re not enrolled in Grow Online Banking yet, you can set up your account in just a few minutes.
Log In
- Debit Card or ACH (Available for auto, personal loans and HELOCs)
Note: ACH and debit card payments are not available for credit cards or most mortgages, except HELOCs.
We accept ACH payments with no additional fees, consumer Mastercard® and Visa® debit cards with a convenience fee of $4.95, or commercial Mastercard® and Visa® debit cards with a convenience fee of 2.95% of the payment amount. To get started with an online ACH or debit card payment, select Pay Now below.
Pay Now
Pay by Mail
You can also pay any Grow loan by check through the mail. Please remember to include your account number and Grow loan number on the check. (For credit card payments, please do not write your 16-digit credit card number on the check, which can cause a delay in processing the payment.)
Address for auto, credit card, personal loan and HELOC payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733You Are About To Leave GrowFinancial.org
At certain places on this site, there are links to other websites. Grow Financial Federal Credit Union does not endorse, approve, represent, certify or control those external sites. The credit union does not guarantee the accuracy, completeness, efficacy, timeliness or accurate sequencing of the information contained on them. You will not be represented by Grow Financial Federal Credit Union if you enter into a transaction. Privacy and security policies may differ from those practiced by the credit union. Click CONTINUE if you wish to proceed.