At what age can my minor have a Savings and/or Checking Account, and do I need to be a joint owner? Can someone else be joint on my child's account besides a parent?

A child under the age of eighteen (18) may have a Savings Account as long as they have an adult as a joint owner on the account. The adult may be a non-guardian, however, for minors ages 12 and under, the parent or guardian must sign to allow the account to be opened.

The Youth Savings Account is specially designed for pre-teens ages 12 and under. Read more about Youth Savings Accounts.

Members aged 13 to 17, can open a new Delta Community Savings Account, online or at a Delta Community branch. Teens, age thirteen to seventeen, may add a Checking Account as long as they have an adult as a joint owner on the checking account.

Members aged 18 and older can have Savings and Checking Accounts without parental consent or a joint owner.

We now offer three options designed for our member’s unique financial needs: Free Checking, Interest Checking and SpendSafe Checking®.
To find the Checking Accounts that are right for you, visit Personal Checking Accounts.