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Already a member? Login to Online Banking to open a Wescom Youth Banking or Youth Banking Plus Account. Or, visit one of our branch locations.
Not a member yet and want to open a Youth Account? Visit one of our branch locations.
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Kickstart Your Children’s Financial Journey
Wescom offers two Youth Banking accounts designed to help kids and parents take control of their finances — and now there’s an extra perk. Open a Youth Account for your little surfer anytime through May 31, 2026, and you’ll be entered for a chance to win a Knott’s Soak City or Monterey Bay Aquarium ticket*.
| Age | |
|---|---|
| Wescom Youth Banking |
For youth 0–12 |
| Wescom Youth Banking Plus |
For youth 13–17 |
| Monthly Fee | |
|---|---|
| Wescom Youth Banking |
$0 |
| Wescom Youth Banking Plus |
$0 |
| Minimum Savings Balance | |
|---|---|
| Wescom Youth Banking |
$1 |
| Wescom Youth Banking Plus |
$1 |
| 5.00% APY1 on the first $500 of Youth Savings Account Balance | |
|---|---|
| Wescom Youth Banking |
Yes |
| Wescom Youth Banking Plus |
Yes |
| Wescom ATM Card2 | |
|---|---|
| Wescom Youth Banking |
$100 daily withdrawal limit |
| Wescom Youth Banking Plus |
$250 daily withdrawal limit |
| Wescom Youth Checking Account | |
|---|---|
| Wescom Youth Banking |
Yes with qualifying parent or legal guardian as a joint signer or joint owner |
| Wescom Youth Banking Plus |
Yes with qualifying parent or legal guardian as a joint signer or joint owner |
| Wescom Visa® Debit Card2 | |
|---|---|
| Wescom Youth Banking |
$250 daily spending limit available with a Wescom Checking Account |
| Wescom Youth Banking Plus |
$500 daily spending limit available with a Wescom Checking Account |
| Free IMAGINE THAT! Picture Card3 | |
|---|---|
| Wescom Youth Banking |
Yes |
| Wescom Youth Banking Plus |
Yes |
| Zelle® (send and receive money from friends and family in the mobile app)4 |
|
|---|---|
| Wescom Youth Banking |
No |
| Wescom Youth Banking Plus |
Yes (send up to $500 daily) |
| Wescom Visa Credit Card | |
|---|---|
| Wescom Youth Banking |
No |
| Wescom Youth Banking Plus |
For Youth ages 15+ with a qualifying parent or legal guardian as a co-signer. All loans are subject to approval. |
| Online Banking | |
|---|---|
| Wescom Youth Banking |
Yes |
| Wescom Youth Banking Plus |
Yes |
| Mobile Banking | |
|---|---|
| Wescom Youth Banking |
Yes |
| Wescom Youth Banking Plus |
Yes |
| College Saver Certificate ($250 minimum deposit and a 36-month term, you can make additional deposits during the Certificate’s term as long as your child is under the age of 18.)5 |
|
|---|---|
| Wescom Youth Banking |
Yes |
| Wescom Youth Banking Plus |
Yes |
| Automatic advancement | |
|---|---|
| Wescom Youth Banking |
To a Wescom Youth Banking Plus Account at age 13 |
| Wescom Youth Banking Plus |
To a Wescom Personal Account at age 18 |
| Wescom Youth Banking |
|
| Wescom Youth Banking Plus |
|
| Wescom Youth Banking |
Wescom Youth Banking Plus |
|
|---|---|---|
|
Wescom Youth Banking |
Wescom Youth Banking Plus |
|
| Age | For youth 0–12 | For youth 13–17 |
| Monthly Fee | $0 | $0 |
| Minimum Savings Balance | $1 | $1 |
| 5.00% APY1 on the first $500 of Youth Savings Account Balance | Yes | Yes |
| Wescom ATM Card2 |
$100 daily withdrawal limit |
$250 daily withdrawal limit |
| Wescom Youth Checking Account |
Yes with qualifying parent or legal guardian as a joint signer or joint owner |
Yes with qualifying parent or legal guardian as a joint signer or joint owner |
| Wescom Visa® Debit Card2 |
$250 daily spending limit available with a Wescom Checking Account |
$500 daily spending limit available with a Wescom Checking Account |
| Free IMAGINE THAT! Picture Card3 | Yes | Yes |
| Zelle® (send and receive money from friends and family in the mobile app)4 |
No |
Yes (send up to $500 daily) |
| Wescom Visa Credit Card | No | For Youth ages 15+ with a qualifying parent or legal guardian as a co-signer. All loans are subject to approval. |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | Yes |
| College Saver Certificate ($250 minimum deposit and a 36-month term, you can make additional deposits during the Certificate’s term as long as your child is under the age of 18.)5 |
Yes | Yes |
| Automatic advancement | To a Wescom Youth Banking Plus Account at age 13 | To a Wescom Personal Account at age 18 |
|
|
|
How to Open a Youth Account
What should parents bring?
- A parent or legal guardian to act as a joint owner on the account
- $1 minimum deposit Regular Savings account
- Your youth's taxpayer identification number and one of the following forms of identification:
- School ID
- California State I.D. Card or Driver’s License
- U.S. Passport
- Birth Certificate for minors 0–14. (Minors 15 to 17 years old must present a picture I.D. Card.)
Account Access at Your Fingertips
Mobile Banking Options
- Keep tabs. Set up Account Alerts to be notified of transactions and changes in balance4.
- Monitor usage. Control all cards from the Card Center.
- Stay in the know. View balances and history.
- Deposit checks. Use SnapDeposit in the mobile app (available with a Wescom Checking Account).
- Send money to people you know and trust in minutes.5 Zelle® access for Wescom Youth Banking Plus Accounts (send up to $500 daily).
Disclosures
*NO PURCHASE NECESSARY to enter or win. Promotional period runs from 04/01/2026-05/31/2026. Void where prohibited. To enter, open a new Youth Banking or Youth Banking Plus Account during the promotional period with a minimum $50 opening deposit, and receive one (1) entry to sweepstakes drawing. A qualifying parent or legal guardian must be joint owner on account(s) and will be the participant entered into drawing. Youth must not have had an account with Wescom previously. Membership eligibility is required. All accounts are subject to approval. A $1 deposit to a Wescom Savings Account is required. Terms apply. Insured by NCUA. Winners need not be present to win. Odds of winning depend on the number of eligible entries. Wescom employees (and their families/households), Wescom Volunteers (including Board of Directors) are not eligible to participate in the Sweepstakes. Prize may be subject to IRS reporting. Consult your tax advisor. Visit wescom.org/youth/sweeps for official rules and prize details.
• Southern California Drawing: 250 participants will be selected by random drawing on or about 06/05/2026, from all eligible entries received from the Southern California County Region, to win a Single-Day Knott’s Soak City Ticket. Approximate retail value (ARV) per prize: $70.00. Total ARV for all prizes: $17,500.00.
• Central California Drawing: Twenty (20) participants will be selected by random drawing on or about 06/05/2026, from all eligible entries received from Central California County Region, to win a $50.00 deposit in their Youth Account for the purchase of a single-day Youth Ticket to the Monterey Bay Aquarium. ARV per Prize: $50.00. Total ARV for all prizes: $1,000.00.
1 APY (Annual Percentage Yield) is accurate as of 02/04/2026 and subject to change without notice. The 5.00% APY is earned on Youth Savings Account balances up to $500. Balances over $500 will continue to earn the Regular Savings Account rate. Fees or other conditions could reduce earnings. Terms and conditions apply.
2 A parent or legal guardian must be a Joint Owner on the Checking Account and ATM/Visa® Debit Card. Terms and conditions apply.
3 One per calendar year.
4 Message and data rates may apply.
5 U.S checking or savings account is required to use Zelle®. Transactions between enrolled users typically occur in minutes. Terms and Conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.