I put my Father on my checking account decades ago when I was deployed to Iraq so that he could take care of my affairs while I was gone. I never took him back off when I returned so when he hit 50, they offered me a membership too (I was 27). It made no sense to me how they located members, but for a lark, I joined just to mess with people how young I looked for a man of 50. The gag turned into a lot of irritation with the constant mailings, phone solicitations, etc. that I quickly jumped ship. I have no idea if the benefits are really worth it, but I do not like their lobbying basis at all and don't see myself ever going back now that I am old enough.