Junior Member Account

Junior Member Account is the Cutting edge banking for future professionals offering. JUNIOR MEMBER Account is an affordable and convenient account that offers financial literacy to students.

Ideal for: Children below the age of 18 years

 Key Features of the Junior Member Account

  • Opened by the parent/ guardian on behalf of a minor (0-17 years) in the child’s name (A/c name) with the guardian/parent as a signatory.
  • One withdrawal in every three months (quarterly)
  • Free cash deposits
  • Free standing order into the account
  • No opening balance
  • No minimum operating balance
  • Account shall fall dormant in one year but will not attract activation fee.
  • The account does not have a debit card
  • The account can be mapped to mobile phone banking
  • Home Bank provided upon depositing Kshs 1000 in the account
  • Interest earning amount Kshs. 10,000

Why You Should Open a Junior Member Account for Your Child

  • Free withdrawal and internal transfers
  • Interest rate on money saved paid every quarter
  • No opening/ operating balance
  • Free photo on account opening
  • Flexible deposits amounts
  • No limit of amount withdrawn
  • No Access charges
  • Junior Member financial literacy day
  • Free e-birthday cards
  • Free E-Statements
  • Deposit through all Channels


  1. One free withdrawal a month
  2. Free home bank upon depositing with 1000 Kshs.
  3. Replacement of home bank at Kshs 400

    What You Require to Open a Junior Member Account

    1. Parent’s/ guardian Original and copy of national ID. (Guardian to provide proof of legal guardianship i.e. letter of administration)
    2. Original and photocopy of child’s Birth certificate/Birth notification

    Potential Risks

    1. To safeguard funds in your account, do not share you PINs with anyone.
    2. When making payments using your card, be sure the card stays in your sight. If you lose your card, communicate to the bank to block it.
    3. If you suspect any of your PINs is known by others, please change it immediately

    Sign up Process 

    1. Download the application form and email indemnity form and complete both
    2. Collect all the documents listed in requirements above
    3. Zip all attachments in (1and 2 above) together into a single zip file.
    4. Go to “Apply for an Account” Section on the site
    5. Fill it out and attach the single zip file
    6. Click the Submit button to send your online account application to Diaspora.Banking@equitybank.co.ke
    7. Ensure to also send the original (hard copy) email indemnity form via post to the address below:
      Diaspora banking, Equity Bank Limited.
      Global Centre, 4th floor. Argwings Kodhek road, Kilimani
      P .O. Box 103098 – 00101, Nairobi. Kenya.
    8. For any further clarification, fill the form below and we will get back to you.

    Transaction Process

    1. Cash transaction on account happens on a real-time basis.
    2. Transactions processing and instructions to be done by parent/guardian.
    3. Child encouraged to visit the branch once the home bank is full.

    Complaints Handling Process

    1. Lodge your complaint at any of our branches, via call centre, info@equitybank.co.ke or on the feedback form below. We will record your feedback and issue you with a reference number.
    2. We will acknowledge your feedback within 48hours.
    3. If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
    4. We will endeavour to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
    5. Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.

    Rights and Obligations

    1. T & Cs of products is available on the website and as part of the account opening form.
    2. Data privacy policy included in customer onboarding and account opening forms

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Equity Bank is Regulated by Central Bank of Kenya