Scams are on the rise. Note that we will never reach out to you and ask for a one-time passcode, card number or CVV, username or password. To safeguard your identity and protect your finances, if you receive a call, text, or email that asks you for this information, hang up or don’t reply; otherwise, you may lose funds. Call us directly at 888 354 OCCU (6228).
Free Savings Account
Teaching Teens & Students Financial Independence
Pacific Savings offers teens and students (ages 13-25) the opportunity to learn how to save and manage their own money. The account is opened with the teenager or student as primary owner. For ages 13-17, a parent or other responsible adult is also added to the account as joint owner.
Teens and Students Will Enjoy
- A Mobile App¹ to deposit that birthday check from grandma, find an ATM, or set up a text notification when financial aid arrives
- No minimum balance requirement to avoid fees
- Earning dividends to speed up deposit growth
- The option to add a Pacific Checking account for convenient spending in stores or online
Parents of Teens Ages 13-17 Will Also Appreciate
- Online transfers to the teen’s account for allowance, lunch money, or anything else
- Parental controls within our Mobile App and website to
- Monitor the account balance and activity
- Set up alerts (text, push notification, or email) to stay in the know about transactions or if the account is nearing a low balance
Save for What's Next
Whether you're saving for your first car, a trip, school expenses, or something else on your wish list, My Savings Center can help you turn your plans into savings goals. Set a target, track your progress, and see how your savings add up along the way.
Want another way to build your savings? With an eligible checking account, Roundup Savings can round eligible debit card purchases to the nearest dollar and automatically put the difference toward your savings. Learn about My Savings Center
Open Pacific Savings Today!
Open Pacific Savings
Open Pacific Savings: Ages 13-17
Due to privacy laws surrounding online collection of minors’ personal information, we ask that a parent or other responsible adult visit any branch location to start the account. Please bring the teen's basic information (name, address, birthday, Social Security number). If you'd like to set up a Pacific Checking account too, please bring their state-issued ID in addition to the items mentioned above. Although the teen is not required to be present, it's a great learning experience so we recommend you bring them along!
¹Message and data rates may apply. Contact your mobile provider for details. For mobile check deposit, eligibility requirements and deposit limits apply. Funds from deposits may not be available for immediate withdrawal.
Membership eligibility requirements apply. Visit the Membership Eligibility page for full details.
Trust accounts, Business accounts, and Fiduciary accounts are not eligible to participate in Round Up Savings. Members with a non-U.S. address are not eligible to participate in Round Up to Charity. Refer to our Account Agreement, Truth-In-Savings, and Electronic Funds Transfers Disclosure Agreement for terms and conditions applicable to your accounts. Federally insured by NCUA.
Roundup for Savings Program: You must be 18 years of age or older to enroll in the Round Up Savings Program. For each eligible settled debit card transaction you make we will round up the amount of any debit card purchase associated with the enrolled Checking or Savings Account to the nearest whole dollar and transfer the excess of the settled purchase amount to your enrolled share account. If you receive a new debit card due to your current card being lost, stolen, or reissued, your participation in the program will continue. There is no need to re-enroll in the program. If on any given day your checking account does not have sufficient available funds to round up, no transfers to savings will occur. Transfers will not be retried and will resume for eligible transactions the next day that sufficient funds are available. Round ups can be instantly disabled at any time.
Donations are made to Spiral Giving Network, Inc. (SGN), a 501(c)(3) charity, which takes legal control of donations and disburses funds to your selected causes or recommended charity. Charities will receive donations, less fees to SGN. SGN donation processing fees are 2.05% of your round-up amount. Donations are generally non-refundable, any donation that was made in error or was not authorized by you will be reviewed on a case by case basis. Refunds are not guaranteed.