WealthBuilder Program

The WealthBuilder Program is an optional savings feature available to clients enrolled in a Debt Management Plan (DMP) with Family Credit Management (FCM). The program enables clients to build savings while repaying debts by contributing an additional $25.00 per month to their monthly DMP payment.

The program involves the following organizations:

• Family Credit Management (FCM): Manages the DMP and forwards the monthly savings contribution.
• Percapita: An independent financial services provider that offers the Cash and Goals accounts used for savings.
• National Foundation for Credit Counseling (NFCC): A nonprofit organization that sponsors a limited-time Savings Bonus for eligible participants.

Upon enrollment, the client’s monthly DMP payment will increase by $25.00. FCM will allocate this amount to the client’s Goals Account, which is established through Percapita.

To participate, the client must set up both a Cash Account and a Goals Account with Percapita. These accounts are required for enrollment in the program, although ongoing use of the accounts is optional.

Monthly deposits will continue until the DMP is completed, meaning all creditor accounts have been paid in full, or until the client requests to discontinue the additional contributions while the DMP remains active. By enrolling in the program and establishing the required accounts, the client agrees to these Terms & Conditions and to Percapita’s Terms of Service.

The NFCC offers a limited-time Savings Bonus to encourage regular savings. For every three $25.00 deposits made into the Goals Account through the WealthBuilder Program, the NFCC will contribute an additional $25.00 to the account, up to a maximum bonus of $100.00. No further action by the client is required to receive the bonus.

Bonus funds are deposited directly into the Goals Account.

Clients will have access to their Cash and Goals accounts, including all accumulated savings, through the Percapita app. These accounts remain the property of the client and may be used in accordance with Percapita’s Terms of Service.

FCM does not manage, service, or control the accounts established by PerCapita.

FCM will continue making the $25.00 monthly deposit to the Goals Account as long as the DMP remains active and in good standing, and the client makes the full monthly DMP payment, including the $25.00 WealthBuilder contribution.

Deposits will stop if the client misses a payment, makes a payment for less than the required DMP amount plus the WealthBuilder contribution, discontinues participation in either the DMP or the WealthBuilder Program, or if the DMP is completed or terminated. When deposits stop, the client will no longer be eligible for additional Savings Bonus contributions.

The Savings Bonus is offered and administered by the NFCC and is subject to its availability and terms. FCM does not control or guarantee bonus payments. If the NFCC discontinues the Savings Bonus program, FCM will provide at least 30 days’ notice to affected participants, provided such notice is received from the NFCC.