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Youth and Student Savings

Uwharrie Bank offers this special Youth and Student Savings account to help young people and students (up to the age of 23 – see bank for eligibility requirements) get started with a savings plan. With no minimums and no monthly fees, this account makes it easy to grow your balance. Once you’re no longer a student, the account converts to a Statement Savings account.


Account Features

  • Earns interest*
  • Online banking
  • Mobile banking
  • eStatements
  • Direct deposit available

Terms & Fees

  • No monthly fees
  • No minimum balance


Balance Interest Rate Annual Percentage Yield (APY)
$0.01 and above 0.05% 0.05%


Call 800.438.6864Contact Us

* Interest is earned on the collected balance less reserves. Rates are subject to change daily. Current rates effect May 12, 2017. Call 800.438.6864 or visit your local branch for current rates. Fees may reduce earnings.

* Federal regulations require that all banks monitor activity on accounts classified as Savings/Money Market Accounts. No more than 6 (six) pre-authorized debits are allowed per statement cycle. Pre-authorized debits would include ACH debits, internet transfers, transfers to cover overdrafts, etc. Regulations allow unlimited in-person or ATM withdrawals but bank fees may apply. Please feel free to contact us should you have any questions