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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 |
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 |
|
|
|
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.
