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¹Anyone can contribute as long as your adjusted gross income (AGI) is less than $110,000 (or $220,000 for married couples filing jointly).

²Early withdrawal penalties apply to all Coverdell ESA accounts.

³To qualify for no monthly fees and avoid the $2 monthly paper statement fee, upon opening your SmartStart Savings Account, you must enroll in paperless statements (eStatements) either by registering and logging in to your Online Banking or Mobile Banking account. For new members, the paper statement fee is waived for the first 45 days of membership, after that, if you have not enrolled in eStatements you may be assessed a $2 paper statement fee per month. Enrollment in eStatements means you will not receive mail delivery of your statements and you have agreed to Electronic Delivery Disclosure. You may withdraw your consent to receive paperless statements anytime by logging in to your Online Banking or Mobile banking account. If you choose to withdraw from eStatements you will be charged a $2 monthly paper statement fee. Note: The fee is waived for tenant accounts, members age 70 or older, and children age 12 and under.