Teaching Teens & College Students Financial Independence

Pacific Savings offers teens and college students (ages 25 and under) 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 17 and under, a parent or other responsible adult is also added to the account as joint owner.


Teens and Students Will Enjoy
  • An ATM card in their own name with a nautical design
  • Access to nearly 30,000 surcharge-free CO-OP Network ATMs, with many on college campuses
  • 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 interest to speed up deposit growth
  • The option to add a Pacific Checking account for convenient spending in stores or online


Parents of Teens Ages 17 & Under 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


Online Application


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 in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don't live or work in our area? You may also qualify if your immediate family member banks with us. Ask us for details. Membership fee is $5.

Immediate Family Includes:
Adoptive Relationships