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Youth Accounts

Make a Savings Splash!

Open a New Youth Account or College Saver Certificate and Be Entered to Win a Ticket and Grand Prize

NO PURCHASE NECESSARY to enter or win. Sweepstakes rules apply. Terms and conditions apply.

Open a Youth Account

New Youth Accounts Can Win a Knott’s Soak City* OR Monterey Bay Aquarium Ticket** – Plus Grand Prizes

When you open a Wescom Youth Banking or Youth Banking Plus Account with a minimum of $50 for your little surfer by June 30, 2025, you will be entered to win a Knott’s Soak City Waterpark or Monterey Bay Aquarium Ticket. Plus, two winners will receive either a Knott’s VIP park and hotel experience* OR Family Membership to the Monterey Bay Aquarium. Open a College Saver Certificate for an extra entry!







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

*NO PURCHASE NECESSARY to enter or win. Sweepstakes runs from 04/01/2025 to 06/30/2025 (Promotional Period) and consists of three-monthly entry periods and drawings; and one grand prize drawing. Sweepstakes is available to participants that live, work, worship or attend school in the Southern California counties (Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara, and Ventura)). Void where prohibited. To enter, open a new Youth Account with a minimum $50.00 deposit and/or a College Saver Certificate with a minimum $250.00 deposit to receive one entry for the applicable monthly drawing. Members that open both account types will receive two (2) entries for the drawing. A qualifying parent or legal guardian must be joint owner on account(s) and will be the participant entered into drawing. All accounts are subject to approval. A $1 deposit to a Wescom Savings Account is required. Winners will be selected by random drawing. 300 participants (100 per month) will win one (1) Single-Day Knott’s Soak City Ticket. Approximate Retail Value (ARV): $70.00 per prize. All eligible entries collected from the promotional period are automatically entered for the Grand Prize drawing. One (1) participant will receive a Knott’s Park/Hotel Grand Prize package. Prize ARV: $1,103.00. Total ARV of all prizes is $14,628.00. Limit one (1) prize per participant. Winner need not be present to win. Odds of winning depend on the number of eligible entries. Prize may be subject to IRS reporting. Consult your tax advisor. Visit wescom.org/youth/sweeps for official rules. Wescom employees (and their families/households), Wescom Volunteers (including Board of Directors) are not eligible to participate in the Sweepstakes. Insured by NCUA

**NO PURCHASE NECESSARY to enter or win. Sweepstakes runs from 04/01/2025 to 06/30/2025 (Promotional Period), and is available to participant that live, work, worship or attend school in the Central California counties (Fresno, Kern, Kings, Madera, Merced, Mariposa, Monterey, San Benito, San Joaquin, San Luis Obispo, Santa Cruz, Stanislaus and Tulare). Void where prohibited. To enter, open a new Youth Account with a minimum $50.00 deposit and/or a College Saver Certificate with a minimum $250.00 deposit to receive one entry for the applicable monthly drawing. Members that open both account types will receive two (2) entries for the drawing. A qualifying parent or legal guardian must be joint owner on account(s) and will be the participant entered into drawing. All accounts are subject to approval. A $1 deposit to a Wescom Savings Account is required. Terms and conditions apply. Winners will be selected by random drawing. Forty (40) participants will win a $50.00 deposit in their Youth Account for the purchase of a single-day Youth Ticket to the Monterey Bay Aquarium. ARV per Prize: $50. One (1) grand prize winner will be selected to receive a 2025 Family Membership to the Monterey Bay Aquarium. ARV per Prize: $295.00. Total ARV of all prizes is $2,295.00. Limit one (1) prize per participant. Winners need not be present to win. Odds of winning depend on the number of eligible entries. Prize may be subject to IRS reporting. Consult your tax advisor. Visit wescom.org/youth/sweeps-aquarium for official rules. Wescom employees (and their families/households), Wescom Volunteers (including Board of Directors) are not eligible to participate in the Sweepstakes. Insured by NCUA.

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 occur 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.