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Junior Savings Account

Our Junior Savings Account is an investment tool for depositors who are 17 years of age and younger and are just learning how to save. This account earns interest without a high balance requirement. This is a variable rate product that provides a competitive rate of interest without high risk.  With this account, you are allowed up to six (6) pre-authorized withdrawals per month.  These withdrawals include Debit Card, or similar order payable to third parties or ACH debits, telephone transfers, payments to third parties and any movement of funds from your savings account to another account of yours, including from a personal device.  Transfers made in person, by mail or at an ATM are not considered preauthorized withdrawals, therefore, they are unlimited. You can make six preauthorized withdrawals per month without a fee, and your account earns a competitve interest rate on all collected balances. In addition, maintenance fees are waived for minors (under 18). Open an account with us today and learn how to save money in a low risk manner with the necessary support.

Account Details

  • Free ATM Withdrawals 
  • $1.00 Minimum Opening Balance
  • This account is for individuals 17 years of age and younger.
  • A monthly maintenance fee of $15.00 will be imposed each month once the depositor reaches the age of 18.
  • Up to six preauthorized withdrawals per monthly statement cycle - $10.00 excessive transaction withdrawal fee is imposed for each preauthorized withdrawal in excess of six



For Inquiries:
Universal Banking Team

Phone: (949) 623-7600

*Additional disclosures will be provided at account opening.




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