Yes.  Children under 18 with a Social Security Number who meet our eligibility requirements can become a member of the credit union.  The parent or legal guardian is required to be a Joint Owner on the account unless the minor can complete the account card, sign their name and provide a photo ID.  For a checking account, ATM Card or access to the account using Personal Telephone Access (PTA) or Online Access Home Banking, a parent/guardian Joint Owner is required.  The parent must sign for the child if the child can not, as well as sign for themselves.  Minor accounts earn dividends on balances above $0