STAR Program

Savings and Teaching Account Responsibility

As a parent, you want to teach your child solid savings habits now that will help them tomorrow.

The RBFCU STAR program encourages kids, teens and young adults to learn about finances first-hand through an interactive tool — which also gives you the ability to reward* your young saver for hard work and completing tasks.

Your savers can also ask you for small loans, request controlled amounts of spending money and earn rewards for making sound financial decisions!

*STAR is used with RBFCU savings and checking accounts.


What does the STAR program do?

Coin going inside a piggy bank

Savings

Create and track savings goals together.

Graduation Cap

Teaching

Learn about lending, interest and making loan payments in a fun, interactive way.

Bank statement with checkmark

Account

Request and make transfers, create a budget and more!

Clip board with two check marks

Responsibility

Assign and hold your child responsible for chores, tasks and small loans.

 

See how the RBFCU STAR program compares
to other financial literacy app and debit card programs for kids.

RBFCU STAR vs. GoHenry and Greenlight


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RBFCU STAR

GoHenry

Greenlight

Free Monthly Service Per Child
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Cross icon
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Free Monthly Service For Family
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Cross icon
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Customizable Budgeting Tool
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Cross icon
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Educational App Offered
Check icon
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Chore/Task Assignments
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Request a Loan (From Parent)
Check icon
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Track Saving Goals
Check icon
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Allowance Pay
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Set Alerts
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RBFCU STAR

GoHenry

Greenlight

Free Monthly Service Per Child
+ -
Check icon
Cross icon
Cross icon
Free Monthly Service For Family
+ -
Check icon
Cross icon
Cross icon
Customizable Budgeting Tool
+ -
Check icon
Cross icon
Cross icon
Educational App Offered
+ -
Check icon
Check icon
Check icon
Chore/Task Assignments
+ -
Check icon
Check icon
Check icon
Request a Loan (From Parent)
+ -
Check icon
Check icon
Check icon
Track Saving Goals
+ -
Check icon
Check icon
Check icon
Allowance Pay
+ -
Check icon
Check icon
Check icon
Set Alerts
+ -
Check icon
Check icon
Check icon

Federally insured by NCUA. Fees and features are current as of 5/8/2024 and are subject to change. Comparisons are brief summaries. Additional conditions and requirements for referenced institutions may apply. For full account details and services of each institution listed above refer to the respective institution's website. Fees may differ based on additional product/service enrollments.


Enrolling your child in STAR is easy! Access STAR through:

Once enrolled, no additional accounts, app downloads or sign-in credentials are needed! If your child doesn’t have a savings or checking account with RBFCU, please visit our Youth Accounts page for more information on how to open an account.

STAR Program Help for Parents

  • What is the RBFCU STAR program?
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    The RBFCU STAR program encourages kids, teens and young adults to learn how to save money and build strong financial habits first-hand through an interactive tool available in your Online Banking account and the RBFCU Mobile app. STAR allows you to assign tasks to your young saver and financially reward them for successfully completing the tasks, getting good grades and making good financial decisions by easily transferring money from your RBFCU account to theirs.

    You can also lend your child money, pay them an allowance and send them spending money through this simple tool. For every good financial decision your child makes, they’ll be awarded a trophy!

  • What is required in order for my child(ren) and me to enroll in the STAR program?
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    To enroll in the STAR program:

    1. Your child must have an active RBFCU account in good standing, and be the primary owner on their account.
    2. You must have an active RBFCU account in good standing.
    3. You must be listed as a joint owner on your child’s RBFCU account.
    4. You’re required to have Online Banking access. It’s preferred that your child has their own Online Banking credentials. If you feel your child is too young to access Online Banking, parents have the ability to mark tasks complete and submit requests on their child’s behalf.
  • Does my child need an RBFCU account to enroll in STAR?
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    Yes. You can open an account online, visit any RBFCU branch or call 210-945-3300 to get started.

  • Do I need an RBFCU account for my child to use the STAR program?
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    Yes. Both you and your child(ren) must have an RBFCU account to use the STAR program. Please refer to “What is required in order for my child(ren) and I to enroll in the STAR program?” for additional information.

  • What account types can be used can be used as a transaction account with STAR?
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    RBFCU savings, checking and money market accounts can be used with the STAR program to provide rewards and money transfers.

STAR Program Help for Kids

  • What is the RBFCU STAR program?
    + -

    The RBFCU STAR program encourages kids, teens and young adults to learn how to save money and build strong financial habits first-hand through an interactive tool available in your Online Banking account and the RBFCU Mobile app. STAR allows your parent to assign tasks to you and financially reward you for successfully completing the tasks, getting good grades and making good financial decisions by easily transferring money from their RBFCU account to yours.

    Your parent can also lend you money, pay you an allowance and send you spending money through this simple tool. For every good financial decision you make, you’ll be awarded a trophy!

  • How do I enroll in the STAR program?
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    Your parent must enroll you from their Online Banking account.

  • How do I create/update my budget?
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    To set a budget with your parent:

    1. Sign in to Online Banking or the RBFCU Mobile app.
    2. Select “STAR Program” from the “View Services” menu.
    3. On the “Overview” tab in the STAR window, select “Create/Update budget.”
    4. With your parent’s help, enter your total deposits, expenses, short-term savings, long-term savings, charitable giving and spending goals for the month.
    5. Once complete, select “Submit.”
  • How do I earn trophies?
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    You can earn a trophy by completing any of the following requirements:

    • Make five loan payments on time
    • Pay off a loan
    • Reach your savings goal
    • Complete a monthly budget
    • Complete 10 tasks
  • How do I view my place on the trophy leaderboard?
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    To view your place on the trophy leaderboard, you must:

    1. Sign in to Online Banking or the RBFCU Mobile app.
    2. Select “STAR Program” from the “View Services” menu.
    3. In the STAR window, select the “trophies earned this month” button next to your avatar photo at the top of the page.
    4. Select the “Leaderboard” tab.
    5. You can view your place on the leaderboard for your household and your place on the leaderboard for all STAR program participants at RBFCU.

 

Related Articles

Membership eligibility required. Accounts for minors require additional ownership by a parent, guardian or other adult.

RBFCU does not charge a fee for the RBFCU Mobile app, but you may be charged for data by your mobile wireless provider.

STAR is an educational tool to help kids learn about financial literacy with parental/guardian assistance. The “Request a loan” option is a parent/child module and is in no way a contractual agreement between RBFCU and the parent/guardian or minor for a loan. The “Request a loan” option simulates a loan for educational purposes and will not result in credit review or approval. RBFCU is not responsible if terms of the module are not met when using the “Request a loan” option. The accuracy and applicability of this online tool to your circumstances is not guaranteed.

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