How the Building Blocks Program Helps Kids Learn Smart Money Habits
Teaching kids about money isn’t something that happens overnight — it’s something we build together, step by step. That’s why Green Country FCU offers the Building Blocks Kids Accounts — savings and checking accounts designed to help kids learn real financial skills as they grow.
What Are Building Blocks Accounts?
Building Blocks accounts are financial tools for kids ages 0–17 that make saving and spending real — and fun. These accounts have:
No monthly fees
Easy online access with mobile app and money manager tools
A shared account with a guardian so parents can teach along the way
Options to earn interest and earn rewards for good habits (like a bonus when kids make regular deposits)
With Building Blocks, kids begin their financial journey with guidance and real-world experience that builds confidence and smart habits.
How Building Blocks Teaches Smart Spending and Saving
When kids use their Building Blocks account, they learn:
1. Saving Is Real
When kids see their balance grow with each deposit, it becomes more than piggy bank play. They learn what it feels like to set a goal and reach it.
2. Spending with Purpose
Having a checking account (for ages 13+) helps kids understand that money doesn’t grow on trees — it moves when we choose how to spend it.
3. Money Management Tools
With online banking, alerts, and money manager tools, kids can watch their money come and go — and you can help them talk about why they chose to spend or save.
4. Rewards for Good Habits
Your child can earn up to $100 just by bringing in deposits consistently — reinforcing that smart saving has real benefits.
(read more about our $100 Bonus)
Tips for Parents: Make Money Lessons Every Day
Here are a few ideas that tie perfectly into Building Blocks goals:
Set a savings goal together. Talk about what your child wants — maybe a toy, game, or experience — and help them figure out how many deposits it’ll take to get there.
Explore the app together. Show them how their balance changes, how to track where money goes, and how goals help keep them on track.
Celebrate financial wins. Did they make a deposit? Reach a savings milestone? That’s worth talking about! Celebrating good habits builds confidence.
Help your kids grow strong money skills at any age:
Learn more about Building Blocks Kids Accounts: https://www.greencountryfcu.com/building-blocks/
Explore other Kids Corner articles on saving, budgeting, and money habits: https://www.greencountryfcu.com/category/kids-corner-2/
Get free financial education through our Enrich platform: https://greencountryfcu.enrich.org/
