UCSB Rising Star vs UIB Beginnings

Our UCSB Rising Star app empowers kids and teens to build real-world money skills by doing chores, earning money and managing it all from mobile devices. With financial education limited in schools, our app offers an easy way to learn saving†, spending, donating†, and investing*. Parents are in control by approving transactions, giving a safer and smarter way to teach financial responsibility. From the palm of their hands kids make real-life money decisions as parents act as a safety net. Chores and allowance tracker: Kids can earn an allowance by doing chores. There are hundreds of chore options available but parents can also add their own. In addition, the app’s chores and allowance tracker helps kids build important character traits like accountability, dependability, time management and teamwork. Set up and use within minutes. Pay allowance weekly or set it and forget it with our auto-allowance† feature. Teach Easy Investing: Every family account includes built-in investing—no upgrades needed. Your kids can start early, learning to invest toward long-term goals. With commission-free trades starting at just $10, families can invest together securely through our platform, backed by Apex Clearing Corporation. Think college funds, first car, a home, and more. These valuable skills could help guide your kids through adulthood and create financial strength you can’t get with a bank alone. Learn to Spend Wisely: Families can enroll up to 5 children on one account and each child at least 5 years old is eligible to receive a UCSB Rising Star branded BusyKid Visa® Prepaid Card. Cards can be used online or in stores as long as proper funds are available. Parents approve all funds loaded to a card and can see all transactions in the activity feed of their dashboard. BusyPay†: Instead of wasting money on gift cards that could get lost, stolen or leave unused funds, use BusyPay and load money directly to an account. By sharing a BusyPay QR code, friends and family can add money to an account for birthdays, holidays, or working for a neighbor. Even use this exclusive feature to send money to others using our app. Being Charitable: Our app promotes a balanced financial lifestyle and that includes being charitable. Donating is important for more reasons than the tax implications. Our app has more than 60 local and national charities built in to help make sharing easy. Safety First: We use the latest SSL encryption technology. The app and cards require individual PINs for use, and all PINs should be different. Parents receive alerts for any money transactions and card issues. Has all sensitive information stored by partners compliant with all Payment Card Industry Data Security Standards. This UCSB Rising Star program is provided through BusyKid. The BusyKid Visa® Prepaid Card is issued by Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card can be used everywhere Visa debit cards are accepted. *BusyKid's provision of access to securities products and brokerage services are offered by Apex Clearing Corporation. Apex Clearing Corporation is an SEC registered broker dealer, a member of FINRA and SIPC, and is licensed in 53 states and territories. This feature is optional and not affiliated with Pathward nor Visa.

Unleash the power of financial literacy with the UIB Beginnings app, designed to transform kids and teens into savvy money managers! In a world where schools often fall short on financial education, our app steps in to make learning about saving†, spending, donating†, and investing* fun and accessible. Parents remain in the driver’s seat, approving transactions to ensure a safe and smart journey towards financial responsibility. Kids can make real-life money decisions right from their mobile devices, with parents providing a supportive safety net. Chores and Allowance Tracker: Turn everyday tasks into opportunities for growth! Kids can earn their allowance by completing a variety of chores, with hundreds of options to choose from or even custom ones added by parents. Our chores and allowance tracker not only helps kids earn but also instills valuable character traits like accountability, dependability, time management, and teamwork. Set it up in minutes and enjoy the convenience of weekly payments or the ease of our auto-allowance† feature. Teach Easy Investing*: Why wait to start investing? Every family account includes built-in investing, allowing kids to kickstart their financial future with commission-free trades starting at just $10. Securely invest together through our platform, backed by Apex Clearing Corporation, and watch your kids’ savings grow toward goals like college funds, first cars, and more. These essential skills will empower them to navigate adulthood with financial confidence. Learn to Spend Wisely: Empower your kids with financial independence by enrolling up to 5 children on one account, each eligible for a Utah Independent Bank branded BusyKid Visa® Prepaid Debit Card. These cards can be used online or in stores, with parents approving all funds and monitoring transactions through their dashboard’s activity feed. BusyPay†: Say goodbye to the hassle of gift cards! BusyPay allows you to load money directly into an account, eliminating the risk of loss, theft, or unused funds. Share a BusyPay QR code with friends and family to receive gifts for birthdays, holidays, or neighborhood jobs. Plus, use this exclusive feature to send money to others within our app. Being Charitable: Foster a balanced financial lifestyle by encouraging generosity. Donate easily to local and national charities, helping kids understand the importance of giving beyond tax benefits. Safety First: We prioritize security with the latest SSL encryption technology. Each app and card requires a unique PIN, and parents receive alerts for all transactions and card issues. Sensitive information is securely stored by partners who comply with all Payment Card Industry Data Security Standards. This Utah Independent Bank Beginnings program is provided through BusyKid. The BusyKid Visa® Prepaid Debit Card is issued by Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card can be used everywhere Visa debit cards are accepted. *BusyKid's provision of access to securities products and brokerage services are offered by Apex Fintech Brokerage Services and Apex Clearing. Apex Fintech Brokerage Services and Apex Clearing Corporation are both licensed and registered to conduct securities business in 53 U.S. states and territories. This feature is optional and not affiliated with Pathward nor Visa. †Optional feature is a BusyKid product.