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Youth Banking Made Easy
Help your child build money confidence with a Wescom Youth Checking and Savings Accounts. Frome their first savings goal to everyday spending, explore age-based options that help kids and teens learn — with a parent or guardian alongside them.
Save Early
Learn the value of saving money.
Parent Involvement
Guide your child's financial journey.
Learn Money Skills
Build confidence managing finances.
Grow Together
Banking designed for kids and teens.
| 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 owner |
| Wescom Youth Banking Plus |
Yes with qualifying parent or legal guardian as a 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 13+ 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.)6 |
|
|---|---|
| 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 owner |
Yes with qualifying parent or legal guardian as a 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 13+ 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.)6 |
Yes | Yes |
| Automatic advancement | To a Wescom Youth Banking Plus Account at age 13 | To a Wescom Personal Account at age 18 |
|
|
|
Account Access at Your Fingertips
Through Online Banking & the Mobile App
With Wescom Youth Banking, you'll have access to convenient digital banking tools that make it easier to manage money, monitor account activity, and bank with confidence whether you're at home or on the go.
Keep Tabs
Set up Account Alerts to be notified of transactions and changes in balance.
Monitor Usage
Control all cards directly through Card Center.
Stay in the Know
View balances, recent transactions, and account history anytime.
Deposit Checks
Use SnapDeposit in the mobile app to deposit checks directly into your account.4
Send Money Fast
Send and receive money with people you know and trust in minutes with Zelle® (available with Wescom Youth Banking Plus Accounts (up to $500 daily)).5
Start Their Banking Journey
What you'll need to open a Wescom Youth Account
To open a Youth Account, you'll need a parent or legal guardian and the items below. Existing Wescom members can also open Youth Accounts through Online Banking.
1
Parent or Legal Guardian
A parent or legal guardian must be present and act as a joint owner on the account.
2
Child's Social Security Number or Taxpayer Identification Number
Required to establish the Youth Account.
3
$1 Minimum Deposit
Just $1 is needed to open the account and begin saving.
Acceptable Identification
Bring one of the following forms of identification for the child:
•
School I.D. Card
•
California State I.D.
•
U.S. Passport
•
Birth Certificate*
* Birth Certificates are acceptable for minors ages 0-14. Youth ages 15-17 must provide one of the listed photo identification options.
Opening Online? Current Wescom members can sign in to Online Banking and select Open Youth Accounts. If you're not yet a member, you'll need to establish membership first by opening an account online, calling, or visiting a branch.
College Saver Certificate
Save for Their Educational Future
As your child grows, so do their goals. Whether you're planning for future educational expenses or looking for another way to build savings over time, Wescom offers options designed to help you prepare for tomorrow while encouraging smart financial habits today.
●
Plan Ahead
Start saving today for future educational expenses and important milestones.
●
Grow Savings Over Time
Explore savings options designed to help your funds work harder for future goals.
●
Encourage Smart Habits
Teach the value of saving while helping children work toward long-term goals.
●
Prepare for What's Next
Learn about specialized savings opportunities that can help support future educational plans.
Youth Account FAQs
Frequently Asked Questions
What is Wescom Youth Banking?
Wescom Youth Banking is a banking program designed for children ages 0-12. It helps young savers build healthy financial habits through a savings account that offers competitive earnings, digital banking access, and financial education opportunities.
What is Wescom Youth Banking Plus?
Wescom Youth Banking Plus is designed for teens ages 13-17 and helps them take the next step toward financial independence. The account offers savings and checking options, debit card access, digital banking tools, and other features geared toward responsible money management.
What ages qualify for Wescom Youth Accounts?
Wescom Youth Banking is available for children ages 0-12, while Wescom Youth Banking Plus is designed for teens ages 13-17. Youth Banking Accounts automatically advance to the next account level as the child reaches the applicable age requirements.
Is there a monthly fee for a Wescom Youth Account?
No. Wescom Youth Banking and Wescom Youth Banking Plus Accounts have no monthly maintenance fee, helping young members save and manage money without recurring account fees. While there are no recurring account maintenance charges, some optional services or account-related transactions may incur fees. For more information, review the Schedule of Fees and Charges.
How much money is required to open a Youth Savings Account?
A minimum deposit of $1 is required to open a Youth Savings Account. A parent or legal guardian must participate as a joint owner on the account.
Do Youth Savings Accounts earn dividends?
Yes. Eligible Youth Savings Accounts earn dividends. Youth Savings Account balances up to $500 may qualify for a promotional dividend rate, while balances above $500 earn the applicable Regular Savings Account rate according to account disclosures1.
Can my child have a checking account?
Yes. Both Youth Banking and Youth Banking Plus members may be eligible for a checking account when a qualifying parent or legal guardian serves as a joint account owner and other account requirements are met.
Can my child get a debit card?
Yes. Eligible youth members may receive a Wescom Visa® Debit Card when they have a qualifying checking account with a parent or legal guardian as a joint owner. Spending limits and account requirements apply.
Can teens use Zelle® with a Wescom Youth Banking Plus Account?
Yes. Eligible Youth Banking Plus members may access Zelle® and send money using a U.S. mobile phone number or email address. Applicable transaction limits, eligibility requirements, and terms and conditions apply.
Can youth members use Online Banking and Mobile Banking?
Yes. Wescom Youth Banking and Youth Banking Plus members can access Online Banking and Mobile Banking to view balances, monitor transactions, manage accounts, and use eligible digital banking features.
Can youth members deposit checks with their phone?
Yes. Eligible members with a qualifying checking account can use SnapDeposit® through the Wescom Mobile Banking App to deposit checks remotely using a compatible mobile device.4
What documents are needed to open a Youth Account?
A parent or legal guardian must be present as a joint owner on the account. A $1 minimum deposit, the child's Social Security or taxpayer identification number, and acceptable identification documentation are required to open a Youth Account.
Can a teen build financial responsibility with a Youth Banking Plus Account?
Yes. Youth Banking Plus provides tools that help teens learn responsible money management through saving, spending, digital banking, debit card usage, and account monitoring under the guidance of a parent or legal guardian.
What happens when my child turns 13 or 18?
Youth Banking Accounts automatically advance to a Youth Banking Plus Account when the child turns 13. Youth Banking Plus Accounts automatically transition to a Wescom Personal Account when the member reaches age 18.
Who can open a Wescom Youth Account?
Parents or legal guardians who meet Wescom Financial membership eligibility requirements may open a Youth Account for an eligible child. Wescom Financial membership is available to individuals throughout California, making it easy for families to access youth banking solutions and financial education resources.
Can I speak with someone before opening a Youth Account?
Yes. Wescom Financial representatives are available to answer questions about Youth Banking, Youth Banking Plus, account features, eligibility requirements, and the account opening process.
Disclosures
Membership eligibility is required. All accounts are subject to approval. A $1 deposit to a Youth Saving Account is required. A parent/legal guardian is required to be a joint owner on all youth accounts. Terms apply.
1 APY (Annual Percentage Yield) is accurate as of 2/4/2026 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 Youths are eligible to receive one card fee waiver per calendar year.
⁴Available to most Wescom members whose accounts are in good standing. Terms apply.
5Eligible checking or savings account required to use Zelle®. Transactions sent to enrolled users typically occur in minutes. Terms and conditions apply. Zelle and the Zelle marks used herein are trademarks of Early Warning Services, LLC.