KIDS CLUB


Good Cents Club for Kids up to the age of 12
Teaching our children to establish good savings habits while they are young is a very valuable lesson. Our Good ¢ents Club is a savings club designed for members up to age 12, and is the first step toward financial independence. There is a $5.00 minimum balance, no monthly service charge, ability to view account balance and recent transactions online with cyberteller and auto transfer from related accounts. Dividends are paid each quarter and joint account holders can start a payroll deduction from their paycheck into this account.

To help make saving more fun, Good Cents Club members will receive special rewards including…

• Balance Keeper Card -to help keep track of deposits and withdrawals.
• Coin Saver Folder - to help save quarters and learn the value of money.
• Googolplex - access to an interactive web site that makes learning about money fun!
• Coloring and Activity Workbooks
• Stickers
• Other Great Prizes

It Only Takes $5 to Start You can open a Good ¢ents Club savings account with a $5 deposit. Child must have a social security number. We will need a copy of your child's birth certificate and social security card for our records. All checks deposited must be payable to the child on the account. Joint owner must sign for all withdrawals made on the account.

Good Cents Club for teens and young adults ages 13-17
Our Good ¢ents Club for Teens is a fun and educational way to learn the value of money and establish good financial habits early in life. Membership includes free educational seminars on how to balance your checking account, budgeting, managing credit cards and buying your first car. In addition to live educational seminars, members have unlimited access to Googolplex Web Site , a fun and interactive place to learn about money matters. There are a variety of products and services available for you including the following:

Savings Account

• $5 minimum balance
• No monthly service charge
• Dividends paid each quarter

ATM Account - Ages 13-17

• No minimum balance
• No monthly service charge
• ATM access to funds in your ATM Account

Dividend Checking Account - Ages 16-17

• No minimum balance
• No monthly service charge
• Dividends paid each quarter
• Unlimited check writing
• Overdraft protection from your Good ¢ents Savings Account
• ATM access to funds in your Savings and Dividend Checking Account

To open an account you will need the following:

• Proof of membership eligibility such a letter from an immediate family member who currently has a USF Federal Credit Union account in good standing. (AKA sponsor).
• A joint owner over 18 years old is required on the account until the teen reaches the age of 18.
• Teen must have a social security number.
• Please bring original birth certificate and original social security card for your teen. We will make copies here for our records.
• A valid photo ID will be required for the teen to make the permitted withdrawals without a joint signer.
• A Good ¢ents Club Savings account and a minimum deposit of $25 are required to open an ATM Account or an Dividend Checking Account.

All checks deposited must be payable to the teen. ATM/POS withdrawal amount is set by joint owner with a $200 maximum per business day.