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Youth Checking & Savings

The best way to learn is to jump right in…

That’s why any minor can open his or her own accounts. What better way to see how the financial world works? Depending on age, we offer two different options, and all Youth Accounts enjoy these great features:

  • No monthly, membership, or low balance fees
  • No minimum balance requirement for either Checking or Savings
  • Free 1st order of Checks on Youth Checking Accounts – $13.95 value
  • No joint owner, parent, or guardian needed to open an account1 or conduct transactions
Ages 0 - 12
Savings Only
Ages 13 - 17
Savings + Checking + ATM/Debit Card2
Account Details:
Regular Savings Account only with no ATM card
Account Details:
At age 13, you can add a Checking Account to your Regular Savings Account. You can also add an ATM Card or a MasterCard Debit Card2
Minimum Deposit to Open:
$1 (which is on us!)
Minimum Deposit to Open:
$1 for Savings (which is on us!) and $10 for Checking

Withdrawal Limitations:
All transactions must be completed at a branch.

Withdrawal Limitations:
ATM withdrawal limit of $100 daily with an ATM Card and $200 daily with a MasterCard Debit Card (limit applies to all accounts combined); no restrictions for branch or point of sale (POS) transactions

To open a Youth account, please visit a Patelco branch.
Find a Branch

  1. A parent/guardian-signed indemnity agreement is required for Youth Checking/ATM/Debit. A parent is not required to open or transact on a Youth Savings account.
  2. All Youth Account deposits must be made in branch. No ATM deposits accepted.

Please see member handbook (PDF) for all account restrictions and requirements. A valid social security card is required to open all accounts and a password/identifying questions will be required for in-branch transactions.