Surf Club

Surf Club
Members between the ages 18-25 are automatically enrolled in Surf Club. As club members you’ll receive exclusive benefits!

Setting You Up for Success

At Jersey Shore, we place a lot of value on our young adult members — you guys are the upcoming generation of workers, savers, spenders and caretakers. There's a lot riding on you and we want to help ensure your financial success!

Extra Member Benefits Just for Young Adults

  • No minimum account balances
  • Forgiveness on first checking overdraft, just ask!
  • Higher dividends on the first $1,000 in your Savings Account

Savings Dividend Rates

Effective May 15, 2021
Account Balance Dividend Rate APY*
Surf Club up to $1,000 0.20% 0.20%

*APY= Annual Percentage Yield.
View Savings Disclosure

Financial Resources to Set You on the Right Path

We’ve partnered with industry-leading BALANCE to provide you with free access to expertly-crafted financial education and resources, including videos, podcasts, calculators, articles and more!

Take advantage these money management toolkits:

Plus, check out resources to help you with these everyday life events:


Need money to help pay for school? We offer Traditional Scholarships for high school students. Plus, our Non-Traditional scholarships are perfect for anyone 18-25. Members can apply for scholarships January through April each year. Visit our Scholarship Page for more information.

Open an Account Today!

There are several convenient ways to open a savings account for ages 25 and under:

If opening your account online, we will follow up with you by email for your identification* and signature.

We are available to answer any questions you may have by calling 609-646-3339 or 1-888-322-2848 toll-free and select option 2. Check our Call Center Hours for availability.

*Acceptable forms of identification include: 1) Driver’s or boater’s license with photo; passport; U.S. military identification card with photo; original birth certificate; certificate of naturalization; or certificate of citizenship AND 2) Medicare card; marriage license; divorce decree; court order for legal name change; US military retiree card with photo; federal, state or local government identification with photo; federal, state or local government employee driver’s license with photo; NJ property tax statement, bill or receipt; major credit card; NJ public assistance card with photo; US school identification card with photo and records; or U.S. college identification card with photo and transcripts.

Acceptable forms of identification for Youth Accounts include: Passport, original birth certificate, Social Security Card, US Photo School ID, or debit card with young adults name.

All identification and documentation are subject to verification and must meet minimum information requirements.