Junior Saver Account

About the Junior Saver Account

The Junior Saver Account is a children's savings account operated by an adult trustee for the benefit of the child.

Minimum opening balance: £5
Up to 3 withdrawals per calendar year
The money belongs beneficially to the child
The child is a junior saver, not a full member of Wirral Credit Union before age 18
Subject to eligibility and Wirral Credit Union's rules, the junior saver may convert to full membership at age 18

Please read the Product Summary Box and Terms and Conditions before continuing.

Child Details

Full legal name:(Required)

First Last

Address(Required)

Address LIne 1 Address LIne 2 City County Post Code

Eligibility(Required)

Eligibility (Other)

Child Identification(Required)

Max. file size: 100 MB.

Upload one document showing the child's identity or relationship to the trustee: Birth certificate, Passport, Child Benefit letter, NHS letter/card, Other accepted document

Personal Information

Full legal name:(Required)

First Last

Address(Required)

Address LIne 1 Address LIne 2 City County Post Code

Email Address(Required)

Phone number(Required)

National Insurance number(Required)

Relationship to Child(Required)

Membership Status(Required)

Are you currently a Wirral Credit Union member?

Authority to Act(Required)

Do you have parental responsibility or legal authority for the child? If required, we may ask for supporting documentation.

Relationship to Child (Other)

Identity Verification(Required)

Max. file size: 100 MB.

Wirral Credit Union will verify your identity electronically where possible.

If electronic verification is unsuccessful, we may request:

Proof of identity
Proof of address
Evidence of authority to act for the child

Account Funding & Withdrawals

Opening Deposit

Opening deposit amount:
(Minimum £5)

Expected Funding

How will the account usually be funded?

Source of Funds

Withdrawal Account

Withdrawals are limited to 3 per calendar year and must be for the child's benefit.

Account holder name:(Required)

Bank/building society:(Required)

Sort code:(Required)

Account number:(Required)

Additional Information

Replacement Trustee (Optional)

Would you like to nominate a preferred replacement trustee?

Full name

Relationship to child

Phone number

Email Address

Safeguarding or Legal Considerations

Are there any court orders, family disputes, safeguarding concerns, care arrangements or other circumstances we should be aware of?

Communication Preferences

Preferred contact method:

Email

Phone

Post

Would you like to receive information about relevant Wirral Credit Union products and services?

Safeguard Documents

If yes, please provide details and upload any relevant documents.

Drop files here or

Max. file size: 100 MB.

Declaration and Submission

Adult Trustee Declaration

By submitting this application, I confirm that:

The information provided is true and complete to the best of my knowledge

I am applying to operate this account as adult trustee for the child named in this application
I understand that the money held in the account belongs beneficially to the child and must only be used for the child's benefit
I understand that the child is a junior saver and not a full member of Wirral Credit Union before age 18
I understand that withdrawals are limited to 3 per calendar year unless otherwise agreed by Wirral Credit Union
I understand that Wirral Credit Union may request additional information, carry out identity, fraud prevention, anti-money laundering and safeguarding checks, and may decline the application if eligibility requirements are not met
I agree to notify Wirral Credit Union of any change affecting my authority to operate the account or any safeguarding, legal or parental responsibility issues that may affect the account
I understand that if I can no longer act as trustee, Wirral Credit Union may restrict access to the account until a suitable replacement trustee has been approved
I confirm that I have read and agree to the Junior Saver Account Terms and Conditions and Privacy Notice

Adult trustee name(Required)

Date(Required)

Electronic Signature(Required)

Junior Saver Application

About the Junior Saver Account

Child Details

Personal Information

Account Funding & Withdrawals

Additional Information

Declaration and Submission