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增加账户

教会你的孩子如何储蓄和管理金钱，同时通过青少年储蓄来促进他们的未来.

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增加账户 Dividend Rate  APY 
$100及以上 0.25% 0.25%

自2023年3月1日起生效的增长账户年百分比收益率(APY)， and may change after account opening without notice. Minimum daily balance of $100 required to earn dividends. 如果你保持一个季度的最低平均日余额(ADB)为500美元, you will receive a bonus dividend, 季度末支付. 红利红利将等于该季度支付的累计股息. 亚洲开发银行的计算方法是，在该期间内，每天将账户中本金的全部金额相加，然后除以该期间的天数. 费用可能会减少收入. At least one account owner must be 18 years of age or older, and one account owner must be below the age of 18.

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增加账户

Laying the foundation for lifelong financial wellness.

关键特性

  • Special account just for children under age 18
  • No monthly maintenance or Inactivity Fee
  • Maintain a minimum daily balance of $100 to earn dividends
  • 平均每日余额500美元及以上，每个季度获得季度奖金股息

Download a Membership Application to 开始

可能是个不错的选择，如果

  • You are setting up an account for a child under age 18
  • You want to teach your kids how to save and manage money

Compare to Other Savings Accounts

What are the advantages of a 增加账户?

A father and daughter saving money in a piggy bank

自己的钱

开始教导你的孩子如何负责任地理财，越早越好. Opening a savings account in their name is a great way to start. 他们可以把辛苦挣来的零用钱放在里面，也可以把亲戚送的部分生日礼物放在里面. 然后，他们就可以看到如何通过将钱存在账户中来赚取红利. 他们还会兴奋地看到自己的余额增加到他们想要的特殊购买所需的金额. 你也可以申请一张ATM卡，这样他们就可以学习如何负责任地使用它来提取他们的资金.

获得分红

一个成长账户需要每天至少有100美元的余额来赚取股息. Plus, 如果你每个季度保持平均每天至少500美元的余额, 你会收到一笔季度奖金，直接存入你的成长账户.

With the 增加账户, you'll also enjoy:
  • No monthly Maintenance Service Charge
  • 无静止费
  • 简单的费率结构, 这意味着它对每日最低余额为100美元及以上的客户提供相同的股息率
  • 选择申请一张Elements ATM卡，免收超过78000英镑的附加费 ATMs 在世界范围内
  • Shared branch access at more than 5,000 branches 在全国范围内
  • Ability to manage your account in 澳门十大信誉网赌大全或移动应用程序 从任何设备

Download a Membership Application to 开始

How does a 增加账户 compare to other savings options?

The 增加账户 is just for members under age 18. See below for other differences among our savings options.

  增加账户 成员储蓄 高收益储蓄 证书
  开户 开户 开户 购买证书
关键好处

No monthly Maintenance Service Charge or Inactivity Fee

Potential to earn bonus dividends

No monthly Maintenance Service Charge

No monthly Maintenance Service Charge

Higher rate than most regular savings accounts
一个不错的选择，如果你

Are setting up an account for a child under age 18

Want to teach your children how to save and manage money

Want a simple Savings account to establish your Elements membership

Like to earn higher dividends on your higher balances

Want a more predictable savings balance

Want to diversify your investments
APY 0.余额100美元及以上为25%1 0.20% on balances $50,000岁及以上2 4.25% on balances $10,000 and greater until October 31, 20233 因术语而异
税率结构 Simple rate structure on all daily balances of $100岁及以上 Tiered dividend rates that increase as your account balance grows Tiered dividend rates that increase as your account balance grows Dividend rates that increase with the length of the 证书 term
Minimum Balance to 获得分红 $100 $100 $0.01 —
No Monthly Maintenance Service Charge
最低存款余额 $5 $5 — —
可用的术语 — — — 6个月到5年
可用的数量 — — — $1,000 or more ($500 or more if under age 18)4
没有每月不活动费用 — —
Unlimited Transactions Per Month Allowed —
  开户 开户 开户 购买证书

我能期望多少费用?

A family of three having breakfast

No Maintenance or Inactivity Fees

There is no monthly Maintenance Fee or Inactivity Fee on a 增加账户; however, it can fall dormant after three years of no activity. 详情请参阅澳门十大信誉网赌大全的 费用表 for details about fees on savings products.

成长帐户可否成为18岁以下会员的会员(主要)分享帐户?

A young man with headphones on working on homework on his couch

Yes, the 增加账户 is intended to take the place of the 成员储蓄 18岁以下会员的账户(在澳门十大信誉网赌大全这里有储蓄账户是你成为信用社正式会员的一部分). 当它是信用合作社会员的成员(主要)共享帐户时, the account will receive $5 from 澳门十大信誉网赌大全.

What happens when the account holder surpasses the age of 18?

A group of friends sharing a pizza

如上所述，要开立账户，儿童必须在18岁以下. When the primary account owner reaches the age of 25, the funds must be moved to another savings account type. 会员将在25岁生日之前收到其他选择的通知.

Is Elements 澳门十大信誉网赌大全 easy to use?

A couple girlfriends hugging on the couch

Yes! 它很容易做你的银行和预算与元素-无论你在哪里. 澳门十大信誉网赌大全澳门十大信誉网赌大全的目标很简单:为您提供最先进的数字银行体验，您可以信赖，并在所有设备上保持一致.

With Elements 澳门十大信誉网赌大全 and our 手机应用程序, you can:
  • 检查你的余额，进行贷款支付，并在账户之间转账
  • Deposit checks using your phone or computer camera
  • 在线查看检查图像
  • 365天24小时在线支付账单
  • 用14个月的电子报表存档检查您的帐户历史
  • Locate 分行和自动取款机s near you
  • See your SavvyMoney credit score with any checking account or loan
  • Pay friends and family conveniently with Zelle® 加上其他 数字钱包选项
  • And more

了解澳门十大信誉网赌大全关于澳门十大信誉网赌大全的信息 & 手机应用程序

Why should I choose Elements for my savings account?

A woman with her phone and a bag of shopping items

就像银行，只是更好!

更好的利率. 更少的费用.

因为澳门十大信誉网赌大全是信用合作社, we return profits to members in the form of reduced fees, 更高的储蓄率, 以及较低的贷款利率.

可信的建议. 新鲜的方法.

We pride ourselves on being a trusted source for financial education. 你的财务健康专家会来到你的工作场所，为你解答问题，并为你提供一对一的帮助，帮助你应对人生每个阶段的变化.

尊重当地. 在全球范围内访问.

自1930年以来，澳门十大信誉网赌大全的总部位于印第安纳波利斯，在全国信用合作社中排名前4%5. We serve members in all 50 states and 50+ countries. 您可以在全国范围内使用5000多家共享分行，在全球范围内使用78000多台免费atm机.

High Tech. 人类接触.

Our technology makes banking with Elements easy. 从快速的数字应用到澳门十大信誉网赌大全和手机银行，无论您走到哪里，澳门十大信誉网赌大全都会陪伴在您身边. 澳门十大信誉网赌大全在这里为您提供24/7的会员服务，并在工作日期间进行实时聊天.

开始

我怎样开户?

A family of four working together to make cupakes

Complete & 把这些PDF表格发给澳门十大信誉网赌大全

To open a 增加账户 for your child, complete these forms:

Return these forms to an Elements location 或者发邮件给澳门十大信誉网赌大全 customerservice@deadbeatmagazine.com. If you need help filling out the forms, please call us at 1-800-621-2105.

澳门十大信誉网赌大全 & 手机应用程序

Once your 增加账户 is open, you can 注册澳门十大信誉网赌大全. 澳门十大信誉网赌大全 allows you to easily check your balances, 存款支票, and transfer money between accounts from your smartphone, tablet, 笔记本电脑或台式机. 了解澳门十大信誉网赌大全关于澳门十大信誉网赌大全的信息.

下载会员申请 下载会员资格附录

How Much Should I Save to Reach My Goal?

储蓄计算器

Results

每年你都需要存钱 $____

值得信赖的储蓄建议. 新鲜的方法.

储蓄的建议

查看所有储蓄物品

成员名单:

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其他储蓄选择
  1. 1 自2023年3月1日起生效的增长账户年百分比收益率(APY)， and may change after account opening without notice. Minimum daily balance of $100 required to earn dividends. 如果你保持一个季度的最低平均日余额(ADB)为500美元, you will receive a bonus dividend, 季度末支付. 红利红利将等于该季度支付的累计股息. 亚洲开发银行的计算方法是，在该期间内，每天将账户中本金的全部金额相加，然后除以该期间的天数. 费用可能会减少收入. At least one account owner must be 18 years of age or older, and one account owner must be below the age of 18.
  2. 2 由2023年3月1日起生效的会员储蓄年收益率 and may change after account opening without notice. 0.余额100美元的10%年利率.00-$2,499.99; 0.余额2500美元的15%年利率.00-$49,999.99; 0.余额5万美元的20%年利率.00岁及以上. Minimum daily balance of $100 required to earn dividends. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. 费用可能会减少收入. 
  3. 3 截至2023年3月1日的年收益率(APY). 高收益储蓄是一种支付可变股息率的分级储蓄账户, 这种情况随时都可能改变, 根据每天的每日余额对应的级别的费率计算您帐户中的整个余额. 结余$10,000.00及以上将获得4的固定促销年收益率(APY).25%， 2023年10月31日止. APY是0.不超过9,999美元的余额可获得10%的利息.99. 促销APY仅适用于新钱，这些新钱是在开设高收益储蓄账户前90天内未存入Elements的资金. 拥有储蓄帐户的Elements现有会员，只要存入$25，便可享受优惠年票,000.在开立高收益储蓄账户后的10天内，你可以存入至少00元新钱. 储蓄帐户每日结余合计2,500元的现有元素会员.在开户前90天内超过00元或以下的存款不受新规定的限制. 11月1日, 2023, 促销年表将自动转换为当时的非促销年表。非促销年表是可变的，可随时更改，恕不另行通知. Additional information for each tier: A promotional APY of 0.10% applies to accounts with balances from $0.01 to $99.99; from $100.00 to $2,499.99; and from $2,500.00 to $9,999.99. 促销APY为4.25% applies to accounts with balances from $10,000.00 to $24,999.99; from $25,000.00 to $49,999.99; from $50,000.00 to $99,999.99; from $100,000.00 to $249,999.99; and $250,000.00岁及以上. At least one account holder must be 18 years of age. 其他资格可能适用. Promotional offer may be discontinued at any time. 费用可能会减少收入.
  4. 4 Minimum certificate deposit of $1,000. Minimum required to open a child’s certificate is $500; child must be under 18 years of age. Minimum of $500 balance required to earn dividends. 如果您在到期前提取本金，澳门十大信誉网赌大全可能会对您处以罚款. Elements保留在任何时候限制证书余额的权利.
  5. 5 Based on asset size as of 12/31/2021