Important Information
To obtain access to the advertised financial products and services offered by FourLeaf, membership is required, which is subject to approval and requires opening and maintaining a $5 Savings Account.
† There is a limit of one (1) Soccer Ball per new Student Checking or Student Savings Account that is opened. If multiple accounts are opened by the same person, only one (1) Soccer Ball will be provided. $5.00 minimum balance required to open the Student Savings account and to receive the Soccer Ball. $5.00 minimum balance to open the Student Checking online and receive a Soccer Ball. $0.00 minimum balance to open the Student Checking in a Branch and receive a Soccer Ball. For accounts opened in a branch, the Soccer Ball will be provided upon account opening. For accounts opened through a virtual appointment or online, the Soccer Ball will be mailed to the primary account owner’s address within thirty (30) business days of account opening. Offer valid 5/26/2026 through 9/4/2026, or while supplies last.
[1] APY = Annual Percentage Yield. APY is accurate as of and subject to change, including after account opening, without notice. The Student Savings account is a variable rate tiered account. Balances $0.00 to $1,000.00 earn 5.00% APY and 4.91% dividend rate. Balances $1,000.01 to $10,000.00 earn 5.00% - 1.39% APY range and 1.00% dividend rate. $10,000.00 balance is an illustrative example for APY computation purposes only. There is no maximum balance for Student Savings accounts. The dividend rate is paid on the portion of the daily balance within each balance tier. The required minimum balance to open account is $5.00.
[2] Surcharge-free ATMs through the Co-op ATM Network must show Co-op ATM logo. ATM transactions performed at ATMs outside of the Co-op ATM Network may be subject to the ATM owner’s fee. Please visit our Online ATM/Branch Locator for a list of surcharge-free ATMs and Shared Branch locations.
[3] FourLeaf will not charge an insufficient fund fee if FourLeaf declines a transaction that may overdraw your account, however, the payee or merchant may assess a fee if a transaction is returned unpaid. In some instances, FourLeaf may be required to pay certain transactions that will overdraw your account resulting in a negative balance, however, FourLeaf will not charge an overdraft fee.
[4] The Student Savings Custodial UTMA Account is governed by the New York Uniform Transfers to Minors Act (“NYUTMA”). This account can be opened if the custodian or the minor is a resident of New York State and by opening such an account you agree that this account will be governed by NYUTMA. All funds deposited in the account irrevocably become the property of the minor, but are to be managed for the minor’s benefit by the custodian until the minor reaches the age of majority, at which time the custodian is responsible for distributing the funds to the minor. Only one custodian (who must be 21 or older) and one minor are allowed per account. The NYUTMA imposes certain fiduciary and record keeping obligations on an NYUTMA account custodian and requires that interest earnings are reported to the IRS under the minor’s Social Security number. FourLeaf Federal Credit Union has no duty to monitor or ensure that the acts of the custodian are for the use or benefit of the minor or comply with the NYUTMA, or are otherwise permissible exercises of the custodian’s powers under the NYUTMA. If you are not certain whether NYUTMA account is the right choice for you, we strongly urge you to first seek professional legal, tax, investment and/or estate planning advice. The offering of NYUTMA accounts should not be construed in any way as the providing of legal or tax advice by FourLeaf Federal Credit Union.
The National Credit Union Administration (NCUA) share insurance coverage applies to each share owner, per insured credit union, for each ownership category. For more information on NCUA’s share insurance, please visit www.ncua.gov or call toll-free 1-800-755-1030, option 1.
