Next Gen Accounts

Road. To. Success.


Next Gen Accounts
At Pacific Service CU, we offer a variety of products to help the next generation pave the way to a bright financial future. From handling their first checking account to establishing credit, our products support every step of their financial journey.

Our free checking account for members age 23 and under offers no monthly fees and ATM fee reimbursement up to $3 per transaction and $12 per month.
 
Certificate accounts typically pay higher rates than traditional savings accounts. You choose the length of time or “term” and receive a guaranteed rate. If your child is age 23 and under, you can open an account with as little as $100.
 
If you’re looking to start building credit history for your child, this credit card is perfect. We’ll start them off with a manageable initial credit limit and they'll receive all the features of our Platinum Rewards card. With responsible usage and timely payments, they'll be on the road to building positive credit and a higher credit limit in no time.
 
Plan for future education expenses with an ESA. This is a great option for parents or grandparents to set up regular contributions for students to grow savings quickly on a tax-favored basis.
 
Open an account
You can open an account online, give us a call, or visit one of our six CA branch locations in Concord, Clovis, Fresno, Livermore, Pleasant Hill, and San Ramon to learn more.
 













Checking: Final checking account establishment and Visa debit card are subject to approval through ChexSystems. Minimum age to open a checking account is 13. Free overdraft protection transfers available from established savings, money market or Visa accounts. Courtesy pay fee is $25 per item when you overdraw your account by check, ACH, ATM or debit card transactions. Repayment is required within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you are delinquent or in default in any other respect on any loan or obligation. Courtesy pay protection for debit and ATM transactions requires member consent. Some restrictions apply.
 
Visa: Complete Visa Card Account Agreement and Truth-in-Lending Disclosure. Annual Percentage Rate (APR) as of November 1, 2024. APR is variable and ranges between 12.50% and 17.50% and is based on creditworthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate. Cash advances and balance transfers do not qualify to earn Reward points. Use of points is subject to ScoreCard Rewards Terms and Conditions.
 
Certificates: $100 minimum required to open an account and earn dividends for members age 23 and under. Fees may reduce earnings and a penalty may be imposed for early withdrawals.
 
Coverdell Education Savings: To open an ESA account or for more information, please call a member service representative at (888) 858-6878. ESA options may provide tax benefits. Contact a tax advisor for details. Fees may reduce earnings and a penalty may be imposed for early withdrawals. Additional penalties may be assessed by federal and state tax authorities under regulations governing ESAs.

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