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Youth Accounts

Open an Account

Free Accounts for Our Youngest Members

Wescom Youth Banking offers two accounts that provide kids and parents with the opportunity to be in control of their finances.







Age
Wescom Youth Banking
  The smart start to banking for kids.		 For youth 0-12
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 For youth 13-17
Monthly Fee
Wescom Youth Banking
  The smart start to banking for kids.		 $0
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 $0
Minimum Savings Balance
Wescom Youth Banking
  The smart start to banking for kids.		 $1
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 $1
2.00% APY* on the first $500 of Youth Savings Account Balance
Wescom Youth Banking
  The smart start to banking for kids.		 Yes
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 Yes
Wescom ATM Card
Wescom Youth Banking
  The smart start to banking for kids.		 $100
daily withdrawal limit
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 $250
daily withdrawal limit
Wescom Youth Checking Account
Wescom Youth Banking
  The smart start to banking for kids.		 Yes
with qualifying parent or legal guardian as a joint signer or joint owner
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 Yes
with qualifying parent or legal guardian as a joint signer or joint owner
Wescom Visa® Debit Card
Wescom Youth Banking
  The smart start to banking for kids.		 $250
daily spending limit available with a Wescom Checking Account
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 $500
daily spending limit available with a Wescom Checking Account
Free IMAGINE THAT! Picture Card**
Wescom Youth Banking
  The smart start to banking for kids.		 Yes
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 Yes
Zelle®
 (send and receive money from friends and family in the mobile app)
Wescom Youth Banking
  The smart start to banking for kids.		 No
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 Yes
(send up to $500 daily)
Wescom Visa Credit Card
Wescom Youth Banking
  The smart start to banking for kids.		 No
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 For Youth ages 15+ with a qualifying parent or legal guardian as a co-signer. Subject to credit approval.
Online Banking
Wescom Youth Banking
  The smart start to banking for kids.		 Yes
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 Yes
Mobile Banking
Wescom Youth Banking
  The smart start to banking for kids.		 Yes
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 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.)
Wescom Youth Banking
  The smart start to banking for kids.		 Yes
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 Yes
Automatic advancement
Wescom Youth Banking
  The smart start to banking for kids.		 To a Wescom Youth Banking Plus Account at age 13
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.		 To a Wescom Personal Account at age 18
Wescom Youth Banking
  The smart start to banking for kids.
Open an Account
Wescom Youth Banking Plus
  The next step to financial responsibility for teens.
Open an Account
Wescom Youth Banking
  The smart start to banking for kids.		 Wescom Youth Banking Plus
  The next step to financial responsibility for teens.
Wescom Youth Banking
  The smart start to banking for kids. 		Wescom Youth Banking Plus
  The next step to financial responsibility for teens.
Age For youth 0-12 For youth 13-17
Monthly Fee $0 $0
Minimum Savings Balance $1 $1
2.00% APY* on the first $500 of Youth Savings Account Balance Yes Yes
Wescom ATM Card $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 Card $250
daily spending limit available with a Wescom Checking Account 		$500
daily spending limit available with a Wescom Checking Account
Free IMAGINE THAT! Picture Card** Yes Yes
Zelle®
 (send and receive money from friends and family in the mobile app)		 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. Subject to credit 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.)		 Yes Yes
Automatic advancement To a Wescom Youth Banking Plus Account at age 13 To a Wescom Personal Account at age 18
Open an Account
Open an Account

*APY=Annual Percentage Yield. APY is accurate as of 7/12/2022 and subject to change without notice. Fees or other conditions could reduce earnings. The 2.00% APY on the first $500 Youth Savings Account balance offer is not available with the Wescom Youth Checking Account and College Savers Certificate. See About Your Credit Union Account for details.

Open an Account Today!

What you'll need:

  • A parent or legal guardian to act as a joint owner on the account
  • $1 minimum deposit Regular Savings account
  • Your youth's social security 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 pressent a picture I.D. Card.)

Open an Account


You can also visit any local Wescom Branch. Schedule an appointment for even greater convenience.

Account Access at Your Fingertips

Through Online Banking & the Mobile App

  • Keep tabs. Set up Account Alerts to be notified of transactions and changes in balance.
  • 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.1 Zelle® access for Wescom Youth Banking Plus Accounts (send up to $500 daily).


Terms and Conditions

  • **One per calendar year.
  • 1U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occurs in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
  • A parent or legal guardian must be a Joint Owner on the Checking Account and ATM/Visa® Debit Card. Terms and conditions apply.
  • Account opening for Wescom Youth Banking requires a Birth Certificate. Account opening for Wescom Youth Banking Plus requires one of the following forms of identification: California State I.D. Card, Driver's License, U.S. Passport, or School I.D. Card.
  • Insured by NCUA

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