Junior Savings

Junior Savings Account

A Junior Member Instant Access Savings Account

Our Junior Member Young Saver Accounts are available for children from birth up to the age of 16 years. As well as opening an account for themselves accounts can also be opened by adults on behalf of their children, grandchildren, nephews, nieces or any other special young person they choose. Membership is FREE for Junior accounts.

  • Easy ways to save regularly
  • Instant access to savings without incurring any penalties
  • FREE membership
  • An annual dividend (interest) on your savings

To apply for a Young Saver Account with Just Credit union you will need to:

  • Download, complete and return a printed copy of the application form to our office.
  • Provide us with proof of your identity and address
  • Provide proof of the junior member’s identity and address

Identification Requirements:

On completion of your application, we will require the adult opening the account to provide one item as proof of identification (i.e. your name) and one separate item as proof of your current address.

Examples include: Passport, Driving Licence, Tenancy Agreement, Benefit Entitlement Letter, Recent Utility Bill.

We will also require two forms of identification for the young person.

Examples include: birth certificate, passport, NHS medical card.

  • Junior Saver accounts can be opened by adults for children from birth up to the age of 16 years.
  • Proof of identity is required to open a Junior Saver account. If the account is being opened by a parent or adult who is already a member of Just then either the child’s birth certificate OR NHS medical card are sufficient. If the adult opening the account is not a member then in addition to the child’s birth certificate OR NHS medical card he/she will also need to provide a utility bill OR bank statement to confirm their name and address.
  • Parents, guardians, relatives and friends can also deposit savings into the account in cash, by cheque, standing order and payroll deduction.
  • There is no minimum savings requirement for young savers.
  • Junior Savers under the age of 8 must be accompanied by an adult to withdraw money from their account.
  • Junior members can administer their account from the age of 8 years.
  • Withdrawals can be made at any time from Just’s main office.
  • As junior members of Just all Junior Saver account holders are entitled to receive an annual dividend payment.