UCU Youth Unlimited Account

The UCU Youth Unlimited Account offers more than just a bank account for your child. It's a tool to teach your child the value of saving, the power of compound interest and essential financial skills.

Available to Canadian citizens or permanent residents up to the age of 24 who attend school full-time, this account provides the banking services your child needs to develop lifelong healthy financial habits.

The account that grows with your child from age 5 to 24

Save, spend, earn – the money principles that will put your child on track for financial independence.

Early Saver: Learn about saving and the value of earning compound interest

Features at age 5:

• No monthly fee UCU Savings and Chequing Accounts
• No minimum balance required
• Preferred interest on first $1000 

Tween Head Start: Learn about responsible spending.

Features added at age 11:

• UCU Enhanced Debit Card, subject to parental approval
• No fee UCU debit card transactions at UCU and Exchange Network ATMs
• 3 no fee debit transactions at non-UCU and Exchange Network ATMs
• No fee debit card in-store or online purchases

Teen Plus: Learn about how to manage money wisely.

Features added at age 16:

• Free personalized cheques
• Free Interac e-Transfers
• ucublu higher interest Virtual Savings Account
• ucublu too no monthly fee Virtual Daily Transactional Account
• UCU Online Banking
• UCU Mobile Banking App
• Mobile cheque deposit
• Direct deposit

The Right Fit for Your Student Life

Easy and secure banking for students 18- 24 who are attending school full time.

Ways to Save

• No monthly fee Savings and Chequing Accounts
• ucublu Higher Interest Virtual Savings Account
• ucublu too No Fee Virtual Daily Transactional Account
• Preferred interest on the first $1000

Ways to Spend

• No fee UCU Debit Card transactions at UCU and Exchange Network ATMs
• 3 surcharge free debit transactions at any bank *excluding financial institution service charges
• No annual fee UCU Collabria Cash Back Mastercard® *subject to approval
• UCU Mobile Wallet with Apple Pay, Samsung Pay and Google Pay

Ways to Bank

• UCU Online Banking
• UCU Mobile Banking App
• Unlimited no fee e-Transfers
• UCU Contact Centre

Ways to Pay for School

• UCU Scholarships for eligible students
• Student Line of Credit – subject to approval

Book an appointment at your branch to open a Youth Unlimited Account today! Start saving for your future goals and enjoy the benefits of banking designed just for you.