April 12, 2024 • 16 mins
Unlock the secrets to planting the seeds of financial wisdom in our youth with Melanie Moffett, our whirlwind of a Marketing Coordinator who's making waves in the community. In celebration of Youth Month, we're putting the spotlight on the need for early financial education, and Melanie is here to share how she's engaging young minds on this vital topic. With the help of our lovable mascot Sprout, we're guiding kids to understand the value of a dollar and the significance of saving, starting with some enticing April promotions that make opening a KidSaver account or getting a student debit card more rewarding than ever.
Our conversation with Melanie isn't just about piggy banks and allowance—prepare to navigate the more sophisticated aspects of financial literacy for youngsters. We discuss the tangible impact of financial responsibility when unforeseen expenses like Chromebook repairs arise, offering practical tips for kids to manage and grow their savings. Meanwhile, for parents fretting about oversight, we illuminate how the convenience of ATMs and ITMs can provide easy access to funds while still allowing parental control. As Youth Month marches on, let's commit to empowering the next generation with a robust financial toolkit that will serve them for life.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Kelli Green (00:00):
Welcome to another episode of the Live Better
podcast, proudly presented byCentric.
I'm your host, Kelli Green, andtoday we will be discussing one
of my favorite topics YouthMonth.
We will be joined by our veryown Melanie Moffett.
She's our marketing coordinator, who is just as giddy about
students and how starting aconversation as early as
possible with your student paysmajor dividends in their
(00:23):
financial future.
So, whether you've been a loyallistener or you're joining us
for the first time, prepare todive into financial tips for
students, how to join the creditunion and perks of having a
student debit card.
So I want to welcome all of ourlisteners to another episode of
the Live Better podcast.
Today we are joined by MelanieMoffett, our Marketing
(00:44):
Coordinator here at Centric.
But before we dive into our funtopic today, melanie, I want
you to tell our listeners alittle bit about yourself and
what you do every day.
Melanie Moffett (00:55):
Okay, well, I do a lot of different things
every day.
No, two days look alike.
Remotely, I'm a mom.
I have two girls that are sevenand 11.
I'm a very active dance mom.
I do a lot of volunteer work inthe community and it's centric
Again, no, two days look alike.
(01:16):
I handle our campaigns.
I handle a lot of our communityevents.
Any day.
Kelli Green (01:23):
You can most likely find me at a ribbon cutting or
something around town or workingon a new promotion we've got
going on, oh yeah, so no, twodays looking same and I feel
like in marketing you have to besuper fluid, ready to pivot
Absolutely anything could pop upat any point.
Melanie Moffett (01:39):
Yeah, you never know when you have to stop and
put on a tree costume and thengo to a luncheon 30 minutes
later.
Kelli Green (01:45):
Speaking of our tree costume, we're really proud
of our friend, Sprout, andwhile we're talking about all
things Youth Month, I think itis so important that we talk
about who he is and what isreally his purpose for us at
Centric.
Melanie Moffett (02:00):
Absolutely! So, Sprout was a little idea we had
about four years ago to createour own mascot and since
Centric's roots are in the papermill industry, we figured what
better than our little own treesprout?
He's not a peanut, he's not alog, he's Sprout.
and we're quite proud of him.
(02:22):
And we're quite proud of him.
We really like to use Sprout totalk to kids about the
importance of saving and what hestands for and what Centric
stands for and how they can getstarted on earning and saving as
young as you know three or four, that's right, even when
(02:42):
they're a little Sprout, that'sright, I love it.
Kelli Green (02:45):
Well I remember back when four years ago I can't
believe he's that old now butwhen we were kind of thinking
about what do we want to do forthe design, and we had the
different options and weliterally brought in our own
folks, so the kids saver account.
So we had what ages of?
Probably like five to about 11years old that came in and that
little popsicle sticks and theyuse those as like their little
(03:06):
ticket to vote on which, whichone, which design, they like the
best.
And so this, this idea ofsprout, really came from all of
our kids savers.
Yeah, they got to be um bybeing a member at Centric.
They had the opportunity tofigure out who it was.
They decided on who they wantedtheir mascot, who they wanted
to represent them yeah, we had afew different versions.
Melanie Moffett (03:28):
He had a pot at first! The pot was not going to
be really feasible to getaround, um, so we pivoted like
we talked about.
But it's been fun to see himcome to life from paper and the
computer to like now a full-oncostume and he goes all over
with us and makes fun, reels andall the things.
Oh yeah.
Kelli Green (03:46):
He's been in many reels, many videos.
He will be popping up all overthe place.
He said several things, fromparades to welcome parties, the
whole thing.
I mean we haven't had him at abirthday party, but that's
something to say that wecouldn't.
Melanie Moffett (04:01):
This is true.
He got his first debit cardprinted last week, so look for
more to come on now.
Kelli Green (04:06):
I love it.
I love it Well, and so, aswe're talking about to the debit
card, kid savings, the youthmonth, and really and truly we
think about April here, you know, right here, on the cusp of all
things brand new with spring,kind of tell us a little bit
about the promotion that we havefor all things new for april
(04:29):
and why that's really soimportant for us.
Melanie Moffett (04:31):
Okay well, april is Financial Education
Month, so, um, we like tocelebrate Youth Month during
that.
Um, each April we offer, uh, we, we waive the kids membership
fee and give them their firstdeposit on all Kidz Saver
accounts, which is a totalsavings of eight dollars.
That's big time, yes.
And then for our student debitcard, um, it's our Kickstart
(04:54):
debit card.
We also call it our high schoolchecking, but really any kid,
um, whatever age, kind of yousee fit, can get this account,
um, and we do the same thingaway in their membership fee and
give them their first deposit.
So that's a total savings of$25! Oh yeah, and I don't know
about you, but I would muchrather keep up with the debit
card than a chunk of birthdaymoney, um, any day.
(05:17):
So it has been quite handy tohave that for my 11- year- old.
Kelli Green (05:22):
Oh yeah, but I love that you said it, so I want to
make sure all of our listeners,too, are aware of that.
So if you're just lookingreally and truly to get your
students started, it can be frombirth until you know they're 17
years of age.
Really, you think about that.
So during the month of April,we will waive their membership
and their first deposit in theirKidz Saver account, and even if
(05:43):
they're opening up a checkingaccount, they would still have
that membership account.
So that is waived on top oftheir Kickstart checking account
.
So that's a total of what?
$32 of savings if you just openyour account during that time
and we offer that too, for ifyou have more than one child, or
if this is a grandchild or agodchild or a child you want to
(06:04):
sponsor, this is somethingthat's great for you to go ahead
and open up the accounts forthem and we cover that
membership fee and your veryfirst deposit.
Melanie Moffett (06:13):
Absolutely, it's the best time to do it.
For sure, and again, if youhave a large family, like you
said, you can really save somemoney and I think it's important
to do it as a family.
It's important for the kids tosee you know the process.
They love coming into our queencounter and dropping their
piggy bank money in and seeinghow it adds up, and then they
get to come in and get theircard.
(06:34):
They seeing how it adds up andthen they get to come in and get
their card.
They have a card, a sprout cardthat they get punched for their
deposits.
So we really like to encouragethat saving behavior in early
age and they can see it add up.
Kelli Green (06:43):
That's right.
Well, and not only that, whenyou were just talking about as
they make that deposit, they canactually see that in their
mobile app.
You can log them into yourmobile app if you want to and
let them see that, or if youwanted to log it in for them.
You know, you can actually seeas you make those deposits.
They're able to see, too, withtheir savings accounts, when
(07:03):
those dividends are added.
So, as they save, then we kindof put a little something in
there to pay extra.
Absolutely.
And the other side of it, too,is something I really love is
that we have a quarterlynewsletter that comes out so
they can really see what'shappening, what's going on, even
tips too, from early youngerstudents to those that are maybe
(07:24):
more of like your preteen andteen.
We have a couple differentoptions in regards to the way we
communicate to folks.
And then the other thing too Iwas talking about I was really
just thinking about, as you weresaying this is them keeping up
with that Sprout Saver card.
So we love that.
That's instant gratification.
Why don't you talk to us alittle bit about that?
Melanie Moffett (07:43):
Yes.
So we have our Sprout Saverpunch card.
So for each $10 that getsdeposited into their savings or
checking account, they get theircard punched and once that card
is full they drop it into ourmagical little box and we do a
monthly drawing at each center.
For sometimes it's an amazongift card, sometimes it might be
(08:04):
movie tickets, Chick-Fil-A card, you just never know.
We try to keep it fun andrelevant for the kids, but just
to encourage that, the savingsbehavior, oh yeah and I think
you know something else to thinkabout.
Kelli Green (08:16):
That's so great because we are a community
institution.
If you have groups like GirlScouts or Boy Scouts and you're
making like a large, you know,say you want to have a large
group where you're educatingthem on the topic of budgeting,
saving overall financial tipsjust to get them going, give us
a call.
You know, we can set it up.
Sprout can greet you right atthe door.
(08:43):
I have a Girl Scout troop thatneeds to earn their budgeting
badge.
So I mean, sign us up, we'reready.
I think it's great, too, as faras some of the things that
we've done, as far as givingthem tours and things of that
nature throughout the creditunion.
I know there's been anopportunity where we actually
took a group of Girl Scouts andthis was back probably in a
couple of years ago, but we gotto let them see this is before
Sprout ever came to fruition,but they got to go into each and
(09:03):
every department and speak toour department heads about who
it is, what are they doing?
What part of the transactiondid they touch?
Because, just because they'rebringing, maybe, their piggy
bank and dropping their coin,what happens to that money?
How do we keep all that up?
And how does that come on theirapp, you know, once they're
able to track it.
So many hands touch it withoutmost people realizing yeah, and
(09:26):
so we had probably 15 girls thatcame through and it was so
interesting just to hear theirquestions and to see, you know,
their little eyes light up whenthey got to walk to the vault or
just take a whole tour around.
Their little eyes light up whenthey got to walk to the vault
and just take a whole touraround.
So those are some things thatare open to any of you that
might be listening who are atroop leader, or you maybe are a
sponsor of a student team ornonprofit group Service
organization.
(09:47):
Yeah, anything of that groupnature that we can really
support.
You just let us know Sprout canbe your guide, Right?
Melanie Moffett (09:55):
It's a lot of fun.
You know, Sprout can also cometo different events.
I mean, if we have a school orsomething, you want us to bring
sprout to your classroom or to,you know, your club meeting,
that kind of thing, um, we canalways have him make special
appearances.
You know, is is our schedulepermits, but we, we love to get
him out there and get him in thecommunity and introduce him to
these kiddos.
He loves it, he will break out.
Kelli Green (10:15):
Bust out in "the gritty"G or you never know what
he's working on a handstand fromwhat I hear.
Melanie Moffett (10:21):
I'm really excited about that!
Kelli Green (10:24):
We will have to see how that goes, but I know this
is a lot of fun being moms bothof us being moms of girls
especially talking aboutfinances and ensuring that they
are financialists that sound andcan make secure decisions
whenever they're older.
You mentioned having a debitcard in the hands of your
daughter.
I've done the very same thing.
(10:45):
They love to see theirstatement that they get every
quarter from their savingsaccount, and so it's so
interesting just to see you knowthey're excited about that.
Before they want to make apurchase, they're like mom, pull
up my account, let me see whatmy budget or balance is.
So it's very I think it's veryencouraging for them to see you
know they're making plans forthe purchases that they want to
(11:07):
make.
Melanie Moffett (11:07):
Yes, you're absolutely right.
Kelli Green (11:09):
And I think if we would have probably had access
to things like that when we wereyounger, we would have made you
must Decision yes.
Melanie Moffett (11:18):
No, no, you're not, not at all.
We had a situation last weekwhere we had a Chromebook from
school that had some issues, andso we've talked.
You know that money is going tohave to come out of your
account.
Okay, well, how much money isin there and what can I do to
make some more money in themeantime, kind of thing.
So you just never know whatkind of questions might pop up
and how you're going to navigatethat.
(11:40):
But it helps to know.
You know, hey, this is what'sin your account right now, this
is.
If you don't want to spend allthis towards that, then what are
you going to do in the meantime?
That's right To make up thatdifference, because mama didn't
break the Chromebook.
Kelli Green (11:51):
That's right and that's what they have to learn
those lessons and I thinkthey're wonderful lessons to
learn early on, absolutelyAnything that they can.
It's like and I hate to call itlike a controlled environment,
but especially whenever they'reopen and honest to say, hey,
here's what happened, we'll letus help you navigate that.
So something I wanted to pointout too is, as your student you
know, maybe our business hoursdon't necessarily work with a
(12:15):
parent's work schedule.
Or maybe when you're shufflingother kids to different
activities and so forth, what'sthat like?
When am I going to make adeposit for them?
And so you want to talk aboutour ATM-capable deposits.
And then also we have the ITMsthat are here at MidCity.
Melanie Moffett (12:30):
Yes, I stopped by and got some cash out of the
ITM on Saturday.
I love that you can cash checksin these now it's very handy
and make deposits, get whateveryou need as you need it, and the
video banking that comes withit is very handy too.
It's great.
Kelli Green (12:47):
So, basically, you can make a deposit or withdraw
cash, or even cash a check 24-7.
Right.
You do not have to wait forbusiness hours.
So if we're not open and you'reholding a check for your
student or you have some cashthat they need to deposit, you
can take care of all that ateither our ITM or at our ATM.
Just keep in mind you cashchecks only at our ITM, correct.
(13:09):
Definitely want to make sure ofthat.
So I know we've got a lot ofcool things that are happening.
Definitely want you to stay intune to our social media.
But before we wrap up today,Melanie, is there anything you
want to share with our listenersabout Youth Month?
Melanie Moffett (13:24):
I think the biggest thing is just the
importance of starting saving ata young age.
You know they're alwayswatching your every move and
listening and they understandmore than you think they do.
So why not get them started atan early age and help them learn
that?
I mean, they don't really teacha lot of financial education in
schools.
It kind of falls on us asparents and I think this is like
(13:45):
the best way to get themstarted, to let them kind of get
them in control.
But as a parent, you also haveaccess to it.
So I love that about our cards.
Kelli Green (14:04):
You know, if there's a problem with that card
, I can just swipe it right onoff on my app and turn it off
and on as needed and you've gotthe controls there from a
security standpoint, or fraudoccurs.
Absolutely so great.
So just kind of in wrapping up,I want to really kind of kind
of drill it on home a little bitabout this.
So whenever you open up thatkid saver account, that is their
membership share that stayswith them for a lifetime yes,
they will receive a Sprout SuperSaver card, which is that punch
card.
For every $10 they get a punch.
(14:25):
Correct.
When you open up that checkingaccount, they get a debit card
right there, right there, yes,right there.
They walk in, sign up or evenif you do it online, you can
walk in and get a debit card.
So you've got all the things.
And then look in your mailboxfor quarterly newsletters that
will come right to your mailboxwith the kid's name and the
(14:46):
parent's name on there.
So it's really really neat.
We just continue to educate andkind of stay in front of the
student and the parent so theyknow really what's happening and
what's going on.
Melanie Moffett (14:57):
Yeah, what we're offering.
And again April.
April is the perfect time to goahead and get this open,
because we will waive thismembership fee.
Kelli Green (15:08):
Absolutely Huge savings, huge opportunity,
especially when you're thinkingabout from one child to 10.
This is not there's no limit tothis, and so definitely visit
any one of your centers or youcan do all these things that
we're talking about online atmycentricorg.
So, melanie, thank you so muchfor joining us this morning and
talking about all things YouthMonth.
We certainly love it.
So that brings us to the end ofthis episode of the Live Better
podcast.
We hope you found today'sconversation about student debit
(15:30):
cards, financial tips and YouthMonth to be enlightening and
valuable.
In the world of personal finance, knowledge is your greatest
asset and Centric remains yoursteadfast partner in that
journey.
If this episode resonated withyou, we kindly ask you to show
your support.
Please hit the subscribe button, share this episode with your
(15:51):
friends and family and take amoment to leave us a review.
Your input is invaluable inshaping the content that
addresses your financialinterests and needs.
And, of course, let's stayconnected on social media.
You can find us on Facebook atCentricFCU, and on all other
platforms under MyCentric.
Stay in the loop regarding thelatest financial insights and
(16:12):
resources tailored to yourunique financial aspirations.
Until our next episode, alwaysremember that Centric is by your
side as you navigate yourfinancial aspirations.
Until our next episode.
Always remember that Centric isby your side as you navigate
your financial journey.
Thank you for tuning in to theLive Better podcast.
Welcome to another episode of the Live Better
podcast, proudly presented byCentric.
I'm your host, Kelli Green, andtoday we will be discussing one
of my favorite topics YouthMonth.
We will be joined by our veryown Melanie Moffett.
She's our marketing coordinator, who is just as giddy about
students and how starting aconversation as early as
possible with your student paysmajor dividends in their
(00:23):
financial future.
So, whether you've been a loyallistener or you're joining us
for the first time, prepare todive into financial tips for
students, how to join the creditunion and perks of having a
student debit card.
So I want to welcome all of ourlisteners to another episode of
the Live Better podcast.
Today we are joined by MelanieMoffett, our Marketing
(00:44):
Coordinator here at Centric.
But before we dive into our funtopic today, melanie, I want
you to tell our listeners alittle bit about yourself and
what you do every day.
Melanie Moffett (00:55):
Okay, well, I do a lot of different things
every day.
No, two days look alike.
Remotely, I'm a mom.
I have two girls that are sevenand 11.
I'm a very active dance mom.
I do a lot of volunteer work inthe community and it's centric
Again, no, two days look alike.
(01:16):
I handle our campaigns.
I handle a lot of our communityevents.
Any day.
Kelli Green (01:23):
You can most likely find me at a ribbon cutting or
something around town or workingon a new promotion we've got
going on, oh yeah, so no, twodays looking same and I feel
like in marketing you have to besuper fluid, ready to pivot
Absolutely anything could pop upat any point.
Melanie Moffett (01:39):
Yeah, you never know when you have to stop and
put on a tree costume and thengo to a luncheon 30 minutes
later.
Kelli Green (01:45):
Speaking of our tree costume, we're really proud
of our friend, Sprout, andwhile we're talking about all
things Youth Month, I think itis so important that we talk
about who he is and what isreally his purpose for us at
Centric.
Melanie Moffett (02:00):
Absolutely! So, Sprout was a little idea we had
about four years ago to createour own mascot and since
Centric's roots are in the papermill industry, we figured what
better than our little own treesprout?
He's not a peanut, he's not alog, he's Sprout.
and we're quite proud of him.
(02:22):
And we're quite proud of him.
We really like to use Sprout totalk to kids about the
importance of saving and what hestands for and what Centric
stands for and how they can getstarted on earning and saving as
young as you know three or four, that's right, even when
(02:42):
they're a little Sprout, that'sright, I love it.
Kelli Green (02:45):
Well I remember back when four years ago I can't
believe he's that old now butwhen we were kind of thinking
about what do we want to do forthe design, and we had the
different options and weliterally brought in our own
folks, so the kids saver account.
So we had what ages of?
Probably like five to about 11years old that came in and that
little popsicle sticks and theyuse those as like their little
(03:06):
ticket to vote on which, whichone, which design, they like the
best.
And so this, this idea ofsprout, really came from all of
our kids savers.
Yeah, they got to be um bybeing a member at Centric.
They had the opportunity tofigure out who it was.
They decided on who they wantedtheir mascot, who they wanted
to represent them yeah, we had afew different versions.
Melanie Moffett (03:28):
He had a pot at first! The pot was not going to
be really feasible to getaround, um, so we pivoted like
we talked about.
But it's been fun to see himcome to life from paper and the
computer to like now a full-oncostume and he goes all over
with us and makes fun, reels andall the things.
Oh yeah.
Kelli Green (03:46):
He's been in many reels, many videos.
He will be popping up all overthe place.
He said several things, fromparades to welcome parties, the
whole thing.
I mean we haven't had him at abirthday party, but that's
something to say that wecouldn't.
Melanie Moffett (04:01):
This is true.
He got his first debit cardprinted last week, so look for
more to come on now.
Kelli Green (04:06):
I love it.
I love it Well, and so, aswe're talking about to the debit
card, kid savings, the youthmonth, and really and truly we
think about April here, you know, right here, on the cusp of all
things brand new with spring,kind of tell us a little bit
about the promotion that we havefor all things new for april
(04:29):
and why that's really soimportant for us.
Melanie Moffett (04:31):
Okay well, april is Financial Education
Month, so, um, we like tocelebrate Youth Month during
that.
Um, each April we offer, uh, we, we waive the kids membership
fee and give them their firstdeposit on all Kidz Saver
accounts, which is a totalsavings of eight dollars.
That's big time, yes.
And then for our student debitcard, um, it's our Kickstart
(04:54):
debit card.
We also call it our high schoolchecking, but really any kid,
um, whatever age, kind of yousee fit, can get this account,
um, and we do the same thingaway in their membership fee and
give them their first deposit.
So that's a total savings of$25! Oh yeah, and I don't know
about you, but I would muchrather keep up with the debit
card than a chunk of birthdaymoney, um, any day.
(05:17):
So it has been quite handy tohave that for my 11- year- old.
Kelli Green (05:22):
Oh yeah, but I love that you said it, so I want to
make sure all of our listeners,too, are aware of that.
So if you're just lookingreally and truly to get your
students started, it can be frombirth until you know they're 17
years of age.
Really, you think about that.
So during the month of April,we will waive their membership
and their first deposit in theirKidz Saver account, and even if
(05:43):
they're opening up a checkingaccount, they would still have
that membership account.
So that is waived on top oftheir Kickstart checking account
.
So that's a total of what?
$32 of savings if you just openyour account during that time
and we offer that too, for ifyou have more than one child, or
if this is a grandchild or agodchild or a child you want to
(06:04):
sponsor, this is somethingthat's great for you to go ahead
and open up the accounts forthem and we cover that
membership fee and your veryfirst deposit.
Melanie Moffett (06:13):
Absolutely, it's the best time to do it.
For sure, and again, if youhave a large family, like you
said, you can really save somemoney and I think it's important
to do it as a family.
It's important for the kids tosee you know the process.
They love coming into our queencounter and dropping their
piggy bank money in and seeinghow it adds up, and then they
get to come in and get theircard.
(06:34):
They seeing how it adds up andthen they get to come in and get
their card.
They have a card, a sprout cardthat they get punched for their
deposits.
So we really like to encouragethat saving behavior in early
age and they can see it add up.
Kelli Green (06:43):
That's right.
Well, and not only that, whenyou were just talking about as
they make that deposit, they canactually see that in their
mobile app.
You can log them into yourmobile app if you want to and
let them see that, or if youwanted to log it in for them.
You know, you can actually seeas you make those deposits.
They're able to see, too, withtheir savings accounts, when
(07:03):
those dividends are added.
So, as they save, then we kindof put a little something in
there to pay extra.
Absolutely.
And the other side of it, too,is something I really love is
that we have a quarterlynewsletter that comes out so
they can really see what'shappening, what's going on, even
tips too, from early youngerstudents to those that are maybe
(07:24):
more of like your preteen andteen.
We have a couple differentoptions in regards to the way we
communicate to folks.
And then the other thing too Iwas talking about I was really
just thinking about, as you weresaying this is them keeping up
with that Sprout Saver card.
So we love that.
That's instant gratification.
Why don't you talk to us alittle bit about that?
Melanie Moffett (07:43):
Yes.
So we have our Sprout Saverpunch card.
So for each $10 that getsdeposited into their savings or
checking account, they get theircard punched and once that card
is full they drop it into ourmagical little box and we do a
monthly drawing at each center.
For sometimes it's an amazongift card, sometimes it might be
(08:04):
movie tickets, Chick-Fil-A card, you just never know.
We try to keep it fun andrelevant for the kids, but just
to encourage that, the savingsbehavior, oh yeah and I think
you know something else to thinkabout.
Kelli Green (08:16):
That's so great because we are a community
institution.
If you have groups like GirlScouts or Boy Scouts and you're
making like a large, you know,say you want to have a large
group where you're educatingthem on the topic of budgeting,
saving overall financial tipsjust to get them going, give us
a call.
You know, we can set it up.
Sprout can greet you right atthe door.
(08:43):
I have a Girl Scout troop thatneeds to earn their budgeting
badge.
So I mean, sign us up, we'reready.
I think it's great, too, as faras some of the things that
we've done, as far as givingthem tours and things of that
nature throughout the creditunion.
I know there's been anopportunity where we actually
took a group of Girl Scouts andthis was back probably in a
couple of years ago, but we gotto let them see this is before
Sprout ever came to fruition,but they got to go into each and
(09:03):
every department and speak toour department heads about who
it is, what are they doing?
What part of the transactiondid they touch?
Because, just because they'rebringing, maybe, their piggy
bank and dropping their coin,what happens to that money?
How do we keep all that up?
And how does that come on theirapp, you know, once they're
able to track it.
So many hands touch it withoutmost people realizing yeah, and
(09:26):
so we had probably 15 girls thatcame through and it was so
interesting just to hear theirquestions and to see, you know,
their little eyes light up whenthey got to walk to the vault or
just take a whole tour around.
Their little eyes light up whenthey got to walk to the vault
and just take a whole touraround.
So those are some things thatare open to any of you that
might be listening who are atroop leader, or you maybe are a
sponsor of a student team ornonprofit group Service
organization.
(09:47):
Yeah, anything of that groupnature that we can really
support.
You just let us know Sprout canbe your guide, Right?
Melanie Moffett (09:55):
It's a lot of fun.
You know, Sprout can also cometo different events.
I mean, if we have a school orsomething, you want us to bring
sprout to your classroom or to,you know, your club meeting,
that kind of thing, um, we canalways have him make special
appearances.
You know, is is our schedulepermits, but we, we love to get
him out there and get him in thecommunity and introduce him to
these kiddos.
He loves it, he will break out.
Kelli Green (10:15):
Bust out in "the gritty"G or you never know what
he's working on a handstand fromwhat I hear.
Melanie Moffett (10:21):
I'm really excited about that!
Kelli Green (10:24):
We will have to see how that goes, but I know this
is a lot of fun being moms bothof us being moms of girls
especially talking aboutfinances and ensuring that they
are financialists that sound andcan make secure decisions
whenever they're older.
You mentioned having a debitcard in the hands of your
daughter.
I've done the very same thing.
(10:45):
They love to see theirstatement that they get every
quarter from their savingsaccount, and so it's so
interesting just to see you knowthey're excited about that.
Before they want to make apurchase, they're like mom, pull
up my account, let me see whatmy budget or balance is.
So it's very I think it's veryencouraging for them to see you
know they're making plans forthe purchases that they want to
(11:07):
make.
Melanie Moffett (11:07):
Yes, you're absolutely right.
Kelli Green (11:09):
And I think if we would have probably had access
to things like that when we wereyounger, we would have made you
must Decision yes.
Melanie Moffett (11:18):
No, no, you're not, not at all.
We had a situation last weekwhere we had a Chromebook from
school that had some issues, andso we've talked.
You know that money is going tohave to come out of your
account.
Okay, well, how much money isin there and what can I do to
make some more money in themeantime, kind of thing.
So you just never know whatkind of questions might pop up
and how you're going to navigatethat.
(11:40):
But it helps to know.
You know, hey, this is what'sin your account right now, this
is.
If you don't want to spend allthis towards that, then what are
you going to do in the meantime?
That's right To make up thatdifference, because mama didn't
break the Chromebook.
Kelli Green (11:51):
That's right and that's what they have to learn
those lessons and I thinkthey're wonderful lessons to
learn early on, absolutelyAnything that they can.
It's like and I hate to call itlike a controlled environment,
but especially whenever they'reopen and honest to say, hey,
here's what happened, we'll letus help you navigate that.
So something I wanted to pointout too is, as your student you
know, maybe our business hoursdon't necessarily work with a
(12:15):
parent's work schedule.
Or maybe when you're shufflingother kids to different
activities and so forth, what'sthat like?
When am I going to make adeposit for them?
And so you want to talk aboutour ATM-capable deposits.
And then also we have the ITMsthat are here at MidCity.
Melanie Moffett (12:30):
Yes, I stopped by and got some cash out of the
ITM on Saturday.
I love that you can cash checksin these now it's very handy
and make deposits, get whateveryou need as you need it, and the
video banking that comes withit is very handy too.
It's great.
Kelli Green (12:47):
So, basically, you can make a deposit or withdraw
cash, or even cash a check 24-7.
Right.
You do not have to wait forbusiness hours.
So if we're not open and you'reholding a check for your
student or you have some cashthat they need to deposit, you
can take care of all that ateither our ITM or at our ATM.
Just keep in mind you cashchecks only at our ITM, correct.
(13:09):
Definitely want to make sure ofthat.
So I know we've got a lot ofcool things that are happening.
Definitely want you to stay intune to our social media.
But before we wrap up today,Melanie, is there anything you
want to share with our listenersabout Youth Month?
Melanie Moffett (13:24):
I think the biggest thing is just the
importance of starting saving ata young age.
You know they're alwayswatching your every move and
listening and they understandmore than you think they do.
So why not get them started atan early age and help them learn
that?
I mean, they don't really teacha lot of financial education in
schools.
It kind of falls on us asparents and I think this is like
(13:45):
the best way to get themstarted, to let them kind of get
them in control.
But as a parent, you also haveaccess to it.
So I love that about our cards.
Kelli Green (14:04):
You know, if there's a problem with that card
, I can just swipe it right onoff on my app and turn it off
and on as needed and you've gotthe controls there from a
security standpoint, or fraudoccurs.
Absolutely so great.
So just kind of in wrapping up,I want to really kind of kind
of drill it on home a little bitabout this.
So whenever you open up thatkid saver account, that is their
membership share that stayswith them for a lifetime yes,
they will receive a Sprout SuperSaver card, which is that punch
card.
For every $10 they get a punch.
(14:25):
Correct.
When you open up that checkingaccount, they get a debit card
right there, right there, yes,right there.
They walk in, sign up or evenif you do it online, you can
walk in and get a debit card.
So you've got all the things.
And then look in your mailboxfor quarterly newsletters that
will come right to your mailboxwith the kid's name and the
(14:46):
parent's name on there.
So it's really really neat.
We just continue to educate andkind of stay in front of the
student and the parent so theyknow really what's happening and
what's going on.
Melanie Moffett (14:57):
Yeah, what we're offering.
And again April.
April is the perfect time to goahead and get this open,
because we will waive thismembership fee.
Kelli Green (15:08):
Absolutely Huge savings, huge opportunity,
especially when you're thinkingabout from one child to 10.
This is not there's no limit tothis, and so definitely visit
any one of your centers or youcan do all these things that
we're talking about online atmycentricorg.
So, melanie, thank you so muchfor joining us this morning and
talking about all things YouthMonth.
We certainly love it.
So that brings us to the end ofthis episode of the Live Better
podcast.
We hope you found today'sconversation about student debit
(15:30):
cards, financial tips and YouthMonth to be enlightening and
valuable.
In the world of personal finance, knowledge is your greatest
asset and Centric remains yoursteadfast partner in that
journey.
If this episode resonated withyou, we kindly ask you to show
your support.
Please hit the subscribe button, share this episode with your
(15:51):
friends and family and take amoment to leave us a review.
Your input is invaluable inshaping the content that
addresses your financialinterests and needs.
And, of course, let's stayconnected on social media.
You can find us on Facebook atCentricFCU, and on all other
platforms under MyCentric.
Stay in the loop regarding thelatest financial insights and
(16:12):
resources tailored to yourunique financial aspirations.
Until our next episode, alwaysremember that Centric is by your
side as you navigate yourfinancial aspirations.
Until our next episode.
Always remember that Centric isby your side as you navigate
your financial journey.
Thank you for tuning in to theLive Better podcast.
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