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Community First Junior Saver

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

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.

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Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Overseas transaction fee

of transaction value

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Product NameCommunity First CU Junior Saver
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$5 + 3%
International transaction fee3%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay

Review by

Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.

Expert review

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.

Key features

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 0.4% interest on your entire balance.

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.

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  1. Default Gravatar
    September 23, 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.

    • Avatarfinder Customer Care
      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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