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Smart Savers Savings Accounts

Smart Savers kids savings accounts are designed specifically for children to help them learn smart money habits early. This youth savings account program encourages financial literacy while building real savings for your child's future. Do your part by opening a Smart Savers account for those under age 18.

Open an Account
Find a Location or ATM

Build Savings for Your Child's Future

 

All Smart Savers youth savings account holders under the age of 18 will automatically earn a higher yield compared to the standard membership savings account, helping their money grow faster during these crucial formative years. Check our current savings rates. The account requires no minimum balance to open and has no monthly maintenance fees, making it accessible for families at any income level.

 

Smart Savers also offers the added benefit of accidental death insurance paying twice the amount of the account balance, not to exceed $5,000, providing additional financial protection for your family. Beyond competitive rates, this kids savings account includes educational resources to help children learn about saving, budgeting, and financial responsibility through age-appropriate materials and online tools.

 

How to Open a Smart Savers Account

Step 1

Choose Your Method

Apply online in minutes or visit a WEOKIE location. Both methods are quick, secure, and designed for busy parents and guardians.

For Current WEOKIE Members:
Log into Online Banking and select "Additional Accounts" from the Accounts tab to add Smart Savers.

New to WEOKIE?
No problem! You don't need to be a member to open a Smart Savers account for your child.

Step 2

Gather Required Documents

Have these items ready for your child or teen under 18:

• Child's Social Security card

• Proof of physical address

Utility bill or paystub required (PO Box not accepted)

• Funding information

Debit card, bank account details, or cash/check for in-person visits

Step 3

Complete the Application

During application, select both Membership Savings and Smart Savers Savings if you're new to WEOKIE.

Once Approved, Your Child Gets:

  • Higher dividend rates than standard savings
  • Up to $5,000 accidental death insurance coverage
  • Immediate online banking access
  • Tools to teach smart money habits

Important: All accounts for minors must be opened by parent/guardian. Checking accounts only available for ages 13+.



Start Building Your Child's Financial Future Today


Open an Account

Higher Earnings for Young Savers

Earn a higher yield than standard savings accounts

Learning While Earning

User-friendly mobile app helps teach banking habits

Parent-Friendly Features

Set up automatic transfers and monitor progress

Built for the Future

Seamlessly transitions to WE Care savings account at age 18

Flexible options for all your banking needs.

"Opened a new savings and checking account on a Saturday and the process was so easy and painless. Thank you so much for such a great experience!"

Meghan

"WEOKIE helped me save for a down payment to purchase a home. I am so glad I opened a savings account for this purpose!"

Alex J.

"I came in to open an account and inquire about a loan. Everyone was great and everything was set up quickly, with no problems! Fantastic experience!"

Brandon S.

Greenlight app displaying allowance and spending features on mobile with debit card
Teach smart money habits with Greenlight

Built to help families
feel confident with money.

Give kids hands-on experience with spending, saving, and earning—all in one app. Eligible WEOKIE members get Greenlight Select at no cost.†

  • Money management made simple

    Send money quickly and track spending in real time.

  • Chores and allowance

    Automate allowance and connect chores to rewards

  • Savings goals that motivate

    Set flexible controls and spending limits.

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