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Wearing a red Union Bank polo shirt, high school senior Jerry Liu politely helps a peer with a bank deposit. With a waiting area and even a decorative plant on the table, this could be any bank branch — but right outside this island of adulthood are the hallways of Lincoln High School in Los Angeles.

This is one of three student-run Union Bank branches in California. They're all located in low-income, immigrant-heavy neighborhoods. You can only bank here if you're a student, teacher or parent, but these are real accounts handling real money.

“ You have some parents who say, 'Well, why would we allow that particular bank branch? Aren't we granting them, essentially, a monopoly on these relatively nave, unsophisticated children?'

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