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Youth Accounts

Open a Youth Account
Youth-story--561-x-373 (002) hero

Our Party, Your Gift

New Youth Accounts Get a Free Plush Snoopy1

It’s Wescom’s 90th birthday – but for this party, YOU get to unwrap a gift! When you open a Wescom Youth Banking or Youth Banking Plus Account with a $50 deposit by December 31, 2024, your youth will get a FREE plush Snoopy and great banking benefits!1

Celebrate Better Banking

  • 5.00% APY2 on the first $500 of their Youth Savings Account balance.
  • Boost college savings with a College Saver Certificate – 3.00% APY3, low minimum deposit of $250, and unlimited deposits until your child turns 18!
  • Instantly transfer funds from your account to your child’s account in the Wescom Mobile App – use it for rewarding grades, after school activities, or whenever they need it.

Open an Account

Disclosures  

APY (Annual Percentage Yield) is accurate as of 12/1/2024 and subject to change without notice. Membership eligibility required. All accounts subject to approval. A $1 deposit to a Regular Savings Account is required. Fees or other conditions could reduce earnings. Terms and conditions apply.

2 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.

3Minimum opening deposit and minimum balance to obtain 3.00% APY for College Saver Certificate is $250.00. The APY assumes dividends remain on deposit until maturity. Fees or other conditions could reduce earnings. A penalty may be imposed for early withdrawal. Terms and conditions apply.

Insured by NCUA

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
5.00% APY1 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 Card2
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 Card2
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 Card3
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)4
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. All loans are subject to 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.)5
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
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
Open an Account
Open an Account

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 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 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).


Disclosures

1 APY (Annual Percentage Yield) is accurate as of 4/1/2024 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 U.S checking or savings account is 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.

5 Terms and conditions apply. See About Your Credit Union Account Agreement for details.

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. Birth Certificates are acceptable forms of ID for minors 0 to 14 years of age. Ages 15 to 17 must present one of the above picture ID types.