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Money Smart offers Adults, Young Adults and Small Businesses a place to learn more about managing their finances. Read below for more information on the programs as well as the great products we have created to help guide you along.
The Money Smart for Adults instructor-led curriculum consists of eleven training modules that cover basic financial topics. Topics include a description of deposit and credit services offered by financial institutions, choosing and maintaining a checking account, spending plans, the importance of saving, how to obtain and use credit effectively, and the basics of building or repairing credit.
The FDIC’s Money Smart for Young Adults curriculum helps youth ages 12-20 learn the basics of handling their money and finances, including how to create positive relationships with financial institutions. Equipping young people in their formative years with the basics of financial education can give them the knowledge, skills, and confidence they need to manage their finances once they enter the real world.
Money Smart for Small Business is a new instructor-led training curriculum developed jointly by FDIC and SBA. The 10 modules in this curriculum provide introductory training for new and aspiring entrepreneurs on the basics to organizing and managing a business. The topics for the training modules were selected as a result of focus groups and interviews with small business technical assistance practitioners. In addition to grounding participants in the basics, the curriculum serves as a foundation for more advanced training and technical assistance.
1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Six (6) surcharge fees assessed by owners of other ATMs outside the network will be reimbursed per month. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States.
2. Third party message, data, and/or internet service provider fees may apply.
1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Eighteen (18) surcharge fees assessed by owners of other ATMs outside the network will be reimbursed per quarter. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States.
You can take out a loan for as little as $500, or more based on the applicant’s ability to pay. Then use the borrowed funds to open a certificate of deposit (CD) for the same amount. Just make fixed monthly payments on the loan, and when the loan is paid off, the CD with earned interest is yours!
The Everyday Loan is a fixed rate loan with a quick approval decision. Loans are available in amounts up to $2,500 and can be paid off in terms up to 24 months. Plus, our rates are lower than most credit cards or other fast-cash loans. So, when unexpected costs come out of nowhere, there's no need to panic.
|$1,000||Prime + 5.00%||8.50%||$87.22|
|$1,000||Prime + 5.00%||8.50%||$45.46|
1. The Annual Percentage Rate (APR) is a fixed rate that's based on the Prime Rate reported in the Money Rates section of the Wall Street Journal (the "WSJ Prime") plus a margin, at the time the loan is made. For example, on 12/28/15 the WSJ Prime was 3.50% resulting in the APR disclosed. A repayment example is as follows: A $1,000 loan request with a 2-year term would require 24 monthly payments of $45.46. See the bank for details. Applicant must meet underwriting guidelines. 1/2016