1. CAMPUS will pay the initial $5 deposit to the Kids Savings Account. $5 is considered interest and will be reported on IRS Form 1099-INT. 2. Birth Certificate and Social Security Card are required to open an account. Adult joint owner required. Joint owner must be 18 years or older. Joint owner credit approval required. 3. The annual percentage yield may change as determined by the Credit Union’s Board of Directors. 4. For security reasons, there are limits on the number and amount of transactions. 5. Credit approval and $5 opening deposit is required. 6. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.