In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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Community First Junior Saver

Community First Bank Junior Saver
Account keeping fee
ATM withdrawal fee
Overseas ATM withdrawal fee
Overseas transaction fee of transaction value

Our verdict

For kids and young adults with one eye on the future.

This account is for customers aged under 18 and is a great mix between a transaction account and a savings account. It offers day-to-day access to your money with a linked debit card, while also paying a competitive rate of interest on your balance with no deposit conditions to meet and no account keeping fees.

You can even open the account for customers under 12, however the account will need to be in the name of a parent or guardian.


  • $0 minimum opening balance
  • $0 monthly service account fee
  • No transaction fees


  • Only available for specific ages

In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question

It’s never too early to start saving. The Junior Saver is a fee-free savings account for Community First members younger than 18. Community First members older than 12 years old get their own debit card to use for withdrawals, over-the-counter purchases and to shop online.


Key details

Product Name Community First Bank Junior Saver
Monthly account fee $0
Card access Visa
Own network ATM fee $0
International ATM Fee $5 + 3%
International transaction fee 3%
Monthly deposit required to waive account fee N/A
Contactless Payments Apple Pay, Google Pay, Samsung Pay


Joint account availability Yes
Minimum opening deposit N/A

Key features

Picture not described

Community First members

The account signatory must be a Community First member to open Junior Saver on behalf a dependent.

Interest rate

You will earn 3.25% interest on the balances up to $10,000 and 0.00% interest for balances $10,001 and over.

How to apply


Visit the Community First website to start the Community First membership application process. The Community First Junior Saver has the following eligibility requirements:

  • Age. This account can only be opened for people 18 or younger.
  • Deposit. This account has no minimum deposit requirement.

Your reviews

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September 22, 2021

I’m trying to get an account for my 5 year old son. He is approved for SSI disability and they said I need to open an account in his name. With him being so young I’m having difficulty finding away to find a way to open an account without me opening an account also.


Alison Banney Finder

September 28, 2021

Hi Ashley,

In general, children under 18 years old don’t have the legal right to sign documents such as those required in opening a bank account. Most banks require you be over 18, or in some cases 14 or 16, to open an account in your name.

As a parent or legal guardian, you can open an account in your son’s name, with your name listed on it as well. When your child turns 18, you can get the bank to remove your name from the account permanently.



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