Tobyhanna Title Bar
Home link About link Contact link Community link Employees link Site Map link
Tobyhanna Army Depot
Financial Readiness Program

MWR Logo

Army Community Services (ACS)

American Red Cross

Army Emergency Relief

Army Family Action Plan

Army Family Team Building

Army Volunteer Corps

Deploy/Mobile Readiness Program

Employment Readiness Program

Exceptional Family Member Program

Family Advocacy Program

Financial Readiness Program

Installation Housing

Relocation Services

Sexual Assault Prevention and Response Program

Survivor Outreach Services

Army Community Serviece Logo

(570) 615-6682
DSN 795-6682
FAX (570) 615-9266



The Financial Readiness Program is focused on improving service member's personal finance status and their ability to perform as informed consumers.

Services include:
  • Basic Prevention Education:

Classes on banking and credit union services, budget development and record keeping, debt liquidation, credit, consumer rights and obligations, insurance, and personal finance.

  • Mandatory First Termers/Basic Money Management:

Classes on military pay and entitlements, checkbook management, sure pay, car buying, saving and investing, and credit rights and responsibilities.

  • Financial Planning:

Classes on goal setting, understanding investments, planning for transition/retirement, house buying and child's education.

  • Consumer Education:

Classes on comparative shopping, credit laws, how to resolve consumer complaints and consumer tips.

  • Financial Counseling:

Counsels soldier and spouse to establish financial goals and develop a savings plan, assist soldiers with reducing debt and gaining control of their financial affairs.

  • Emergency Food Program is a one-time emergency cash assistance that allows the soldier and family to purchase food and essential items from the Commissary. Application must be completed at ACS.
  • Family Subsistence Supplemental Allowance:

Designed to remove the soldier's household from eligibility for benefits under the food stamp program. FSSA is a non-taxable supplemental subsistence allowance and the program was effective 1 May 01.

  • Credit Reports:

Experian: 1-888-397-3742
Equifax: 1-800-685-1111
Trans Union: 1-800-888-4213

Helpful Links: (The following links Open in a new browser window. Please see disclaimer below.)

Federal Consumer Information Center - This link is to the Consumer Information catalog center where you can order publications on all types of consumer issues.

Savings Bonds - You'll find just about all you'll ever need to know about Savings bonds.

FirstGov for Consumers - Consumer information and government programs.

Council of Better Business Bureaus

Better Business Bureau

External Web site links are NOT controlled by Tobyhanna Army Depot.
Tobyhanna Army Depot is not responsible for their content or accessibility.

"The appearance of these hyperlinks does not constitute endorsement by the (Department of Defense/the U.S. Army/the U.S. Navy/the U.S. Air Force/the U.S. Marine Corps, etc.) of this web site or the information, products or services contained therein. For other than authorized activities such as military exchanges and Morale, Welfare and Recreation sites, the (Department of Defense/the U.S. Army/the U.S. Navy/the U.S. Air Force/the U.S. Marine Corps, etc.) does not exercise any editorial control over the information you may find at this location. This link is provided consistent with the stated purpose of this DoD web site."

Page Last Updated 15-Apr-2014