Big savings habits start small

Smart Start Savings helps kids build real money skills and a real nest egg, one deposit at a time. Open an account in minutes and give your child a head start.

Open an account

A savings account kids actually enjoy using

Smart Start Savings is built for our youngest members. It pairs a real savings account with rewards, tools, and a few good habits that stick, so your child learns to save by doing it, not just hearing about it.

Open an account

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Savings boosts

Kids earn $1 for every $20 they deposit, up to $100 over the life of the account. They'll also get a birthday card with a surprise gift every year.

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Digital tools for parents

Transfer allowance, deposit birthday checks, and watch balances grow together, all from HCU Digital Banking.

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Money smarts, made simple

Short videos and real-world tips help kids connect saving to everyday choices, from pet costs to birthday money.

Features and benefits

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$1 bonus for every $20 deposited*

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Dividends paid on all balances over $25

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Birthday card with a surprise gift every year

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Certificates available with a $100 minimum opening balance

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Open to children age 12 and under

Open an account

Money basics, made simple

A few short videos that turn everyday moments, like pet costs and birthday cash, into real lessons about saving and spending.

Good vs. bad spending

A quick guide to telling the two apart, and why it matters.

Paying for pets

What it really costs to care for a pet, and how to plan for it.

Paying yourself first

The habit that makes every other savings goal easier.

Have a Heartland representative reach out

We'll help you open an account or plan ahead for your child's future.

Or call 800.428.8472 to speak to a member of our team.

You can always stop by one of our nine branches in Hutchinson, Haven, Hays, Ness City, Newton, or Wichita, Kansas.

*Savings bonuses capped at $100 over the lifetime of the account. Bonus will be posted to account on the last day of the month. Annual Percentage Yield of .05% paid on balances over $25.