Restrictions on Those Under 13 Years of Age Due to the "Children's Online Privacy Protection Act," Philadelphia Federal Credit Union’s policy is such that a child under 13 years of age is not permitted to open a personal account online or create/use an Online Banking account. Persons over 13 may open an account with an adult by mail or through a branch location. For more information on Children's Online Privacy Protection Act (COPPA) Visit the FTC's COPPA website