Youth Accounts and Products

You don’t have to be 18+ to become a member. Start saving now and reach your goals in no time!

Children under the age of 13 will need to open an account with an adult, but if you’re 13 or older, you can open an account on your own. Here are the products you are eligible to use as a person under 18:

Account Requirements for People Age 13-17

If you are 13 or older, you can open most accounts in your name only or a joint account with your parent or guardian. You must have a valid student ID, state ID, driver’s license, passport  or Resident Alien Card to open the account. If you would like to learn more about checking accounts and how to use one responsibly, you can visit for an online course on how to manage your checking account.

Account Requirements for People Age 12 and Under

If you are 12 or younger, you can open a joint account with a parent or guardian.

Information for Adults

Custodial accounts are a great way to gift funds to a minor child and has a potential tax savings advantage. Please consult a certified tax professional for questions regarding tax, trust or estate planning.