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Why NCB?

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Start Their Saving Journey Early

Help your child build healthy money habits with a savings account designed just for under 18s.

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Saving for Their Future

At Northern Community Bank, we believe it’s never too early to start saving. Our Young Saver account is specially created for anyone under 18 and can be opened, with a simple ID check – just a birth certificate, adoption or fostering certificate or the child’s passport.

This account teaches young people the value of saving while giving adults peace of mind that funds are protected until the child turns 18.

Smart Features for Growing Savers

  • The account is managed by a trusted adult until the child turns 18, so it’s safe and secure
  • The account opener has secure online access to check balances and download statements
  • Simple ID needed: birth, adoption, or fostering certificate, or the child’s passport
  • Anyone can make deposits, but withdrawals are only allowed by the trusted adult until the young saver is over 18 years of age
  • No borrowing or loan facilities linked to this account
  • No joining fees or ongoing charges
  • Automatically converts into a full adult account once the young saver turns 18
  • When the community bank does well, young savers get a share of the profits, helping their savings grow

Managing the Account

The adult who opens the account can check balances online but would need to contact a member of staff to make withdrawals.

Open a Young Saver Account today

Junior Saver Details

To qualify for a junior account, the junior must live within the communities we serve and be under the age of 18. Until the child turns 18, the adult who opens the account is fully responsible. All communications regarding the account will be directed to the responsible adult, and withdrawals can only be made by this individual.

Adult Responsible for the Account

This should be the person who is completing this application.
Are you an existing account holder?
Title
Please provide you full address including house number or name, street details and town.
Are you a Politically Exposed Person (PEP)?
Do you pay tax outside of the UK

Password

This information will help us to verify your junior's account security both in branch and over the phone.
What would remind you of your password?

Deposits

Junior accounts must hold a minimum of £1 in the account for it to be activated. To ensure the account remains active, we recommend that deposits are made regularly (i.e. several a year).
How do you wish to deposit?

Bank Details

We recommend stating as least one bank account for any withdrawals you wish to make on the juniors behalf. If you don't wish to add any, leave this section blank.
Terms and Conditions
Please tick this box to confirm that you have read and understood our terms and conditions found here 
Data Protection Statement
This community bank will process your data in accordance with your rights under the Data Protection Act 2018. The policy details how Northern Community Bank could also share account holder’s information and how to request the information we hold. Please read Northern Community Bank’s data protection statement, which can be found found here.
Financial Services Compensation Scheme (FSCS)
I understand that eligible deposits may be protected up to £85,000 by the Financial Services Compensation Scheme (FSCS) if Northern Community Bank is unable to meet their financial obligations. More information can be found here.

What we still need from you

We will need a copy of the juniors birth, adoption or fostering certificate or a passport emailing to hello@northerncb.uk and an initial deposit (Minimum of £1) to open the account. Once registered we will be in touch with you to provide the bank details for your deposit. Alternatively, you can call us on 01282 691333 to make a card payment. 
If you are not an existing account holder at Northern Community Bank, we will also require 2 forms of ID from the person opening the account that links you to your current address. A picture I.D like a passport or driving license is perfect. However we can accept two letters with your name and address, dated within the last three months.
Clear Signature
I declare the information I have given in this application is to the best of my knowledge and belief, accurate and full. I understand that the provision of false information is fraud and that the community bank may take appropriate action if I am found to have deliberately provided false or misleading information.
I understand that a new account will be opened. I understand that there is a requirement to hold a minimum of £1.00 in this junior's long-term savings account.
I agree to act as the adult responsible for this account until the junior reaches 18 years old. At this point the junior will become soley responsible for their account.
I am happy for all correspondents to be sent to the adult responsible until this point.
To agree to all of the above, please sign above by entering your full name.

Open a Young Saver Account

Want to learn more about the Young Saver Account - contact our friendly team today.

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