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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 March 24, 2023
AccountBalanceDividend RateAPY*
Regular, Secondary, Holiday, Vacationall balances0.15%0.15%
Surf Clubup to $1,0000.25%0.25%

*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 two convenient ways to open a savings account for ages 25 and under:

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 primary forms of identification are: 1) Unexpired Driver’s license with photo; Valid US passport or Foreign passport with government issued document showing residence, photo, and nationality; Resident alien card; Photo County ID; Green Card; Matricula Card; Current photo work ID; Current U.S. government military or civilian photo identification; Unexpired State issued photo ID – non drivers license.

Acceptable secondary forms of identification are: 2) Social Security Card (Minors Only); Original birth certificate (Minors Only); State or Military ID; Resident Alien card; Voter registration card; Firearms license or permit; Current employment photo identification (must be from qualified select employee group; Current student photo identification; Unexpired Credit or Debit Card; Marriage license or divorce decree.

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

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