Our adult accounts are open to anyone aged 16 or over (please note you must be 18 or over to apply for a loan or an Engage prepaid debit card). You may want a separate savings account that is not so easy to dip into. You might want access to our fair, low-cost loans. You may have struggled to open a bank account for your wages or benefits to go into. Perhaps you need something more flexible than a Post Office account. Maybe you just like the idea of your savings staying local. You possibly wish for your savings to be with an ethical and not-for-profit organisation.