Risk indicator for the Current Account
This number is indicative of the product risk, where 1/6 indicates lower risk, and 6/6 indicates greater risk.
Caja Rural de Cheste is a member of the Spanish Credit Entities Deposit Guarantee Fund. The maximum amount guaranteed actually by this Fund is 100,000 euros per depositor.
They get their own account while learning to manage their own money, and you get peace of mind from having everything under control.
As a parent or legal representative, you can manage the account without administration fees, maintenance fees, TIN 0% APR 0%(1), and while the account holders are minors you can do all of the above.
If you are already a client and the minors are registered with the entity, apply through Online Banking or at your regular branch.
Otherwise, find out how to register minors with our entity from your Online Banking.
Complement the Minors Account with the Junior Prepaid Card(2) and access to the limited version of the App, to give them greater autonomy, pay for small purchases, use Bizum and control their savings, while you have everything under control.
Manage it directly through Online Banking and the App.
Allows making and receiving payments with Bizum and managing their savings.
If you want to take it a step further and have the rounded-up amount or any amount you decide deposited into the Minors Account as savings for your children.
At this point, when they become an adult, they will become a full account holder in their own right. The Junior Account will become a standard account with all the features and services available.
When the account holder becomes an adult, they no longer need a legal representative on the account, so they can operate the account by themselves, and the legal representative will automatically be removed from the account.
If you want to close the account while the child is still a minor, you can do so through your regular branch like any other account.
Yes, as long as the account holder is a minor and the purpose of the account is to build up savings for the child and cover any expenses they have.
Yes, but they will have an associated cost. The account has an administration fee of €0.60 per direct debit.
Once you have opened the Junior Account, apply for the junior prepaid card from your regular branch.
As long as one or more purchases are made per year, the cost of the card will be €0, otherwise it will have a maintenance fee of €6 per year.
The legal representative can recharge it at any time via On Banking, the App or any ATM.
Once you have opened the Junior Account, you must register the child with Online Banking through your own Online Banking. Find out how to do this step by step with this infographic.
(1) As long as the purpose of the account is a means for the child to save, and the holder/holders of the account are minors when the maintenance fee is chargeable, it will be €0, otherwise the maintenance fee will be €20 monthly.
AER -3.93 % for a NIR 0 % calculated for a 12-month term assuming a constant daily balance of €6,000 during the liquidation period.
AER -1.98 % for a NIR 0 % calculated for a 12-month term assuming a constant daily balance of €12,000 during the liquidation period.
(2) Issuance fee for junior prepaid card: €0. Maintenance charge: €0 as long as more than one payment is made per year with the card. Otherwise the maintenance charge is €6 per year.
