Articles and activities for parents who want to encourage healthy attitudes about money in young children.

> Cubby Club Ages 0- 12
> Student Checking Ages 12 - 19

Cubby Club

For our young savers up to age 12.
Children can begin early in life to build strong saving habits. Our young savers club provides an easy way to teach kids to spend, save and share. Along with Cubby, our lovable bear mascot, kids are treated to saving incentives, plus fun activities and a newsletter Cubby Times, designed just for them.

For each deposit kids make into their Cubby Club account, they are awarded Cubby Bucks that can be used to purchase a hats, backpacks, Zoo Montana tickets, and more. Cubby Bucks make saving fun and rewarding.
(Please note that the child's Social Security Card is required to open the account.)

Have fun with facts and logic, puzzles and riddles from Googolplex, the on-line magazine for kids:

• Memory test
• Money fun
• Quarter keepers
• Work play

Carry your school supplies in a new backpack
from Cubby. Two sizes available -
just $35 Cubby Bucks each.
Available at all BFCU locations.

Student Checking

For teens ages 12-19 (up to age 24 if enrolled in higher education)
It won't be long until you’re on your own, out of the house, and making your own financial decisions. Take the first step toward responsible money management with Student services from Billings Federal Credit Union.

• No minimum balance requirement
• No monthly maintenance fee
• Unlimited check writing
• Free Visa Check Card
• Free Access to Billings Federal ATMs
• Free (foreign) ATM Transactions*
• Free Internet Banking and Bill Pay
• Free 24-Hour Phone Banking
• Overdraft Protection Available**
  
  *Three free per month; $1 thereafter. **Subject to approval.

Teens and young adults receive a free booklet entitled "Guide to Money - Getting A Good Start" when you open a Student account! This easy-to-read guide covers topics such as smart saving and spending, dollar wise checking, smart borrowing and investing for your future. Ask a Financial Service Representative for your copy.
 

Student Loans

Let BFCU help you finance higher education!
Students Loans are available through the Credit Union!

• For students, we have the Federal Subsidized Stafford Loan.
• For parents, we offer the Federal Plus loan.
• If you are currently paying on student loans, BFCU offers student loan consolidation loans. Simplify those payments into one loan, one payment.

TO SELECT BFCU AS YOUR STUDENT LOAN PROVIDER, use
our Lender Code 832099 on your Master Promissory Note (MPN).

Call a Financial Service Representative TODAY! 248-1127

Working for Wages - Where do you plan to stash all that cash?
It's your hard-earned cash, or will be once that summer job starts up. Making a deposit plan now will have you set and ready when the paychecks start rolling in. Make the most of your BFCU account and your paychecks:

• Use Direct Deposit for Your Paycheck - most employers are happy to set this up for their staff. Your paycheck is deposited directly into your savings or checking account. You will still receive a paystub from your employer that shows your earnings, deductions (such as for taxes), and the net deposit into your account. Your money makes it to your account - no hurry, no lines, no hassle.
   

• How can you make sure it got there? The quick and easy way to verify deposits is to use BFCU Online banking or Telephone Teller. Both allow 24-hour access to your account information so you don't have to be rushing to the credit union between school and work. Sign up today.