Features of Our FUN Club Accounts for Youth This is a savings account for minors 17 years old and under established in their name. An adult must be a joint owner on the account. Minimum deposit of $5 to open. Make up to six free withdrawals per month. ATM cards are available if the minor is age 14 or older. Debit cards and overdraft protection are not available for this account. Benefits Competitive interest rate Funds insured up to $250,000 Online banking Mobile banking Free audio banking and eStatements