Adding a joint signer? Easy! This person just needs to be standing by to complete his or her section of the application. So grab a soda, and sit down together!

It doesn't take much cashola to start an account at AEA Federal Credit Union. When you open your account online, you have 30-days to make a deposit.

Membership Savings: $25 opening deposit
Checking: $0 deposit required
(But it's a good idea to make a deposit. You'll want to break in your Visa debit card)

► Choose from these three, easy options:

1. Online Fund Transfers
Transfer funds from your savings or checking account at another financial institution. All funds transferred will be deposited to your new Membership Savings Account. Funds deposited to establish new memberships may be placed on hold up to 10-days.

2. At a Branch
Visit any branch within the next 30-days to make your deposit.

3. By Mail
Mail a check to: U.cu at AEA Federal Credit Union, 1780 S. 1st Avenue, Yuma, Arizona 85364
Make the check payable to yourself.

We're guessing, Yes!

► Here's the 411:
Under 18 years of age, an adult co-signer is required on your account.
Once 18, it's all yours!

To open your account online, you must be at least 13 years of age.