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Youth Accounts

Bank on Your Future

We’re helping kids of all ages learn how to save and spend the smart way.

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 Set your kids up for success with a complimentary Greenlight subscription as a member of South Bay Credit Union.

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Explore Our Youth Accounts

NEXT Youth Checking Account

Get a head start on learning how to budget and manage your money.

  • Available for children ages 8 to 18*
  • Free personalized debit card** with parent-set usage limits
  • Easy-to-use 24/7 mobile banking app with account alerts
  • Parents can transfer money from any institution

Minor Savings Account

Build good savings habits early and get closer to reaching your goals.

  • Available for children under 18 years old
  • Open with just $5
  • No minimum balance requirements
  • No monthly fees
  • Earn competitive dividends
  • Eligibility requirements apply

*Restrictions Apply. All minors must qualify for membership based on their home address or the school they currently attend. An original birth certificate, and Social Security card, or current school ID in the name of the minor must be provided at the time of account opening. You may be required to bring proof of identification into a branch before membership can be established. A qualified joint owner over the age of 18 must provide government-issued identification. The joint owner will remain on the minor account until the minor is over 18 years old and has requested the removal of the joint owner in writing. All account disclosures, agreements, and contracts will be binding under the joint owner’s information and responsibility.
**The joint owner must sign a debit card authorization form before ordering a debit card. Any issued credit cards, signature loans, or lines of credit will be 100% share secured and require a qualified joint owner. Debit and/or credit cards will not be issued in the name of the joint owner unless requested. All loans are subject to underwriting review.

What’s Right for You?

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NEXT Youth Checking Account

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Minor Savings Account

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Give Your Kids the Greenlight for Success

It’s never too soon to start learning smart money habits. Help your kids save, spend, and earn the smart way with a complimentary subscription to Greenlight, the banking app and debit card designed for kids and teens.

Debit card with parental controls for spending limits

Debit card with parental controls for spending limits

Real-time account activity notifications for parents

Real-time account activity notifications for parents

Instant money transfers from parents to their kids

Instant money transfers from parents to their kids

Fun games for kids to learn key money skills

Fun games for kids to learn key money skills

Give Your Kids the Greenlight for Success


Microloans for Young Entrepreneurs

South Bay Credit Union is proud to sponsor Lemonade Day to help today’s youth become the business leaders, social advocates, community volunteers, and forward-thinking citizens of tomorrow…one lemonade stand at a time!

Free program teaches youth how to start, own, and operate their own business

Free program teaches youth how to start, own, and operate their own business

Microloans available for approved/qualified business plans

Microloans available for approved/qualified business plans

Volunteer opportunities available to review business pitches

Volunteer opportunities available to review business pitches

Contact Heather Steele at hsteele@southbaycu.com or 424.327.9787 for more information

Contact Heather Steele at hsteele@southbaycu.com or 424.327.9787 for more information

Microloans for Young Entrepreneurs

Free Financial Literacy for Students

Free Financial Literacy for Students

Banzai is an award-winning, interactive content platform that teaches real-world finance skills in a fun way and lets students practice managing their money. Topics include budgeting, saving, understanding debt, using the internet safely, and more.

Get Started Today

Open your account online in minutes. Have questions? We’re always happy to help.

South Bay Credit Union Works for YOU

Student Loans

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ATM Locator

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