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Financial Readiness and AER Program

Sill-AER-Assistance-during-COVID-19.jpgCall ACS at +1 (580)442-4916 for a telephonic appointment. 



The Fort Sill Financial Readiness Program Offers financial education, budget counseling, and support services to assist Soldiers and their families.

Announcement: Fort Sill Army Emergency Relief has new scheduling system for clients AER Clients with emergency requests will be assisted on a walk in basis. AER Clients with non-emergency requests will we seen by appointment. All Soldiers E4 and below are required to be escorted by Supervisor.



To provide financial education and training to Soldiers and Families and enhance their personal financial readiness and deploy-ability through the use of sound money management and consumer skills.

Services Offered

Personal Financial & Checkbook Management Training

This is mandatory training for Fort Sill Soldiers on their first permanent Duty station.  Training is held every Monday from 1-2 p.m. at Harry S. Truman Education Center.  Spouses are welcome.

Class Topic:

  • Budget plan and record keeping
  • Credit & debt management
  • Laws and limitations
  • Setting up a checking account
  • Keeping the account balanced
  • Debit cards and Automated Transaction Machines (ATM)
  • Understanding the bank statement
  • Reconciling the checkbook with bank statement
  • Saving accounts and investments
  • Special checks and cash transfers

A Remedial Check Book Class can be scheduled by calling at +1 (580)442-4916.


Relocation Financial Preparedness Training

This training provides military members and their families with budget tools such as calculators and spending plans that help reduce the financial stress of moving.

The class is offered once a month. Call for schedule. Training is mandatory for E4s and below on their first PCS.

Army Emergency Relief (AER)


Army Emergency Relief (AER) is a private, nonprofit organization that was created to help Soldiers and their Family members who experience financial emergencies. AER provides funds to help Soldiers with immediate financial needs with rent, utilities, emergency travel, etc. AER also provides emergency funds to Soldiers' orphans and Surviving Spouses and offers undergraduate scholarships to Spouses and Children of both active and retired Soldiers. Established in 1942, AER has assisted more than 4 million Soldiers and Family members with more than $2 billion in support. In 2019, AER processed over 40,000 cases, providing $70 million in no-interest loans and grants and awarded more than $8 million in scholarships to Spouses and Children of Soldiers.

Expanded Eligibility to Army National Guard and U.S. Army Reserve Soldiers Activated in Support of COVID-19 Relief Efforts:
Army National Guard and U.S. Army Reserve Soldiers that are activated in response to COVID-19 are eligible for financial assistance from Army Emergency Relief (AER) for basic living expenses such as rent, utilities, and food, and personal transportation costs such as car payments, auto insurance, and fuel. Soldiers remain eligible for the duration of their activation, plus an additional 30 days after deactivation. This enhancement to AER marks a significant change in policy for eligibility of Reserve component Soldiers. Under normal eligibility, Army National Guard and U.S. Army Reserve Soldiers must be activated under Title 10 orders for greater than 30 days. However, the new eligibility requirements allow for any Soldier activated under Title 10 or Title 32 orders (in response to COVID-19) to receive AER assistance, regardless of the length of their activation.


Benefit Highlights

Emergency Financial Needs

The primary mission of AER is to provide funds to help Soldiers meet emergency financial situations. These emergencies are generally deemed unexpected and urgent. Examples include:

  • Rent/Mortgage
  • Vehicle repair
  • Emergency travel
  • Utilities/Deposits
  • Funeral expenses
  • Food
  • Non-receipt of pay
  • Travel fund for relocation (PCS)
  • Dependent dental
  • Medical expenses
  • Repair/Replacement of HVAC
  • Repair/Replacement of major appliances
  • Replacement vehicle
  • Loss of funds
  • Cranial helmets
  • Essential furniture
  • Car seats
  • Rental vehicle

AER does not provide funds:

  • For nonessentials
  • To finance ordinary leave or vacation
  • To pay fines or legal expenses
  • To liquidate or consolidate debt
  • For purchase of home or home improvements

To cover bad checks or pay credit card bills


AER Forms and Resources

AER Checklist and Application - Use to apply for assistance

Army Emergency Relief - Application for Financial Assistance

Commander’s Referral Rack Card


Supporting Forms

AER Form 57-Budget Planning Sheet

AER Form 575-Electronic Funds Transfer (EFT) Authorization

AER Form 53-Special Power of Attorney for AER Assistance


Related Links

The appearance of external hyperlinks does not constitute endorsement by Army Emergency Relief of the linked Web sites, or the information, products or services contained therein. Army Emergency Relief does not exercise any editorial control over the information you may find at these locations. Such links are provided for your convenience consistent with the stated purpose of this web site.

If you have questions or comments about information presented here, please click "Contact Us" at the bottom of the page and choose "website" in the email category.

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Financial Counseling
  • Budget Counseling
  • Debt Liquidation Counseling
  • Overall Financial Planning
  • Credit Counseling
  • Credit Report
  • FSSA
Training Request

The request for training is designed to provide unit leadership an opportunity to request a Financial Readiness Expert who will present the latest financial tools to Service Members so that they can make better informed financial decisions.  The training request form needs to be submitted at least 2 weeks in advance.  Reservation dates, times, locations and specific topics must be identified on the form. 

ACS Financial Readiness Program Briefing/Class Request Form


vz_acs_retirement_planning_750x421_mar18 (1).jpgBlended Retirement System (BRS)

It’s here!

The new Blended Retirement System (BRS) has arrived – which means many Soldiers and their families will be making important decisions during 2018. What it means for you depends on factors like whether you’re Active, National Guard, or Reserve – and how much time you’ve got in.

Get educated. Know your options. Understand how BRS affects you and your family.

Learn more



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Invest in Yourself, not the Coffee Shop Flyer

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