Accounts for younger generation

We offer youth accounts for children and teenagers, requiring a parent or legal guardian to be a joint account holder. Eligibility criteria may vary based on the account type and the child’s age.

Yes, a child’s account can be linked to a parent or guardian’s account for easy transfers and account management. Specific linking options may depend on the account type.

To open a youth account, you’ll need the child’s identification (such as a birth certificate or passport) and the parent or guardian’s valid photo ID (a passport, driver’s license, or permanent resident card). Additional documents, like proof of address, may be required depending on the account type.

Yes, youth accounts may have restrictions depending on the child’s age and account type. Limitations can include parental control, transaction number and amount limits, and restrictions on certain services like online and mobile banking or debit card access for younger children.

Yes, there may be limits on the amount of money that can be deposited or withdrawn from a BCU youth account, depending on the account type and the child’s age. These limits are typically set for security and account management purposes.

Yes, a BCU Member Card is issued with any type of account, however, for kids’ accounts below 14 years of age, only the parents can be the card holders. At the age of 14+, the teenager can have their own card, and a parent/guardian has parental control over the account as the joint account holder.

Parents have oversight of their child’s BCU account through joint account ownership, setting transaction limits, and restrictions on certain banking services. Depending on the account type, they may also monitor activity and approve specific transactions.

Mobile banking is available for children 14+ years old with the consent of the a parent/guardian. Some features may have restrictions or require parental oversight for security reasons.