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It is never too early to start helping your child develop a healthy respect for money and to help them develop some good financial habits. Encouraging children at an early age to start saving money can lead to some very good habits and attitudes about money that will help them through their lifetime. As your child grows so should their financial accounts. We’ve developed a suite of products from childhood to adulthood to help your child grow in their financial knowledge.

Junior Savers Club Account®

We believe learning to save should start at an early age. That's why we've developed a Junior Savers Club®—to help kids understand the value of money and make saving FUN! Our exclusive Junior Savers Club Account is a Passbook Savings Account designed to teach children and young adults 18 and under the rewards of saving.

In addition to learning one of life's most valuable lessons, Junior Savers will receive:

  • A Personalized passbook with identification as a Junior Savers Club member
  • A special JSC Bank to inspire daily at-home saving
  • Our exclusive "Sweets Dollars" gift certificate each time the account balance exceeds its previous high balance by $100. Certificates may be redeemed at local participating merchants
  • Extra savings to be sure your account grows—all regular account service charges are waived for Junior Savers
  • And lots of other great goodies and fun activities for Junior Savers. You'll be sent frequent invites to fun Junior Savers Club events and contests

Older kids can also benefit. Whether it's a college education or a state-of-the-art stereo system, the Junior Savers Club can help you set goals and develop financial responsibility. Your personal banker will work closely with you and your parents to structure an individual savings program that meets your objectives.

Teaching kids how to save. It's all part of our commitment to bring traditional community banking back to the community.

Junior Savers Club Account uses the daily balance method to calculate interest on your account. Interest will be compounded quarterly and paid to your account quarterly

Upon reaching the age of 19, the following will apply: An excessive transaction fee of $10.00 will be charged for each transaction in excess of the above limitations (Transfers from a Junior Savings Club account to another account or to a third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties) Minimum balance to avoid imposition of fees - A Maintenance fee of $1.00 will be imposed every statement cycle if the balance in the account falls below $200.00 any day of the cycle

An excessive transaction fee of $10.00 will be charged for each transaction in excess six transactions per month.

To Open This Account

Please come in and visit one of our personal bankers to open this account.


To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, physical address, date of birth, taxpayer identification number and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documents. We will let you know if additional information is required.

Young Adults


As your children grow and become responsible young adults, their financial needs grow too. Help them learn more about financial responsibility by selecting some of the products below.

College Checking Account¹

College is the beginning of a new chapter in your life, one filled with new people, new places and a world of possibilities. We offer the College Checking Account to help prepare students with their finances in the best way possible. Some of the benefits include:

  • A checking account with no maintenance fees2 in the student’s name, as long as their parent(s) bank with us. No minimum balance to maintain. No check writing limits, free online bank. Plus, first order of checks is free.
  • ATM/Debit Card with unlimited free ATM usage nationwide.
  • A special automatic-transfer savings account-instead of parents writing allowance checks, we can program their savings account to make regular transfers3 into the college checking account.
  • A 24-hour telebank number-Parents can transfer emergency funds from their Lake Forest Bank & Trust account to your account fix overdrafts or take care of other money matters, simply by calling 866-721-2467, 24 hours a day, 7 days a week.


1. Subject to age and other qualifications
2. Fees for special services, such as overdrafts will apply.
2. Limited to six transfers per monthly statement period.




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