- Narrator: How can you help your kids get into the habit of saving? 
- All right, time to make some banks. 
- Narrator: The fact is, it's never too early for them to learn this valuable habit. Helping younger kids make banks from common items can be a fun activity. And making more than one bank helps them learn a lot about planning. 
- Save, give and spend. Now see, you can put money in here that you want to spend pretty soon. But mom and I really want you to save up for bigger things. 
- Yeah, like the animal coloring book! 
- Yeah, right! Or maybe even some other things later on, too. 
- Narrator: No matter how little it may be, kids can practice saving with cash from birthdays, chores, even coins found lying around. 
- Look! I found a quarter! And a dime! 
- Can you tell me why we make this special bank for giving? 
- Because some little kids don't have money. And I could help make them not be so sad. 
- Yeah! 
- Narrator: Learning to feel good about being generous is a wonderful thing for kids. It can help them grow up to be responsible adults. And over time, young kids will be fascinated at how the money can accumulate in their very own banks. 
- I'm ready to go, dad. 
- All right, great. Let's go. 
- When you go out to do your own banking, take your kids along. They'll learn a lot, just by seeing what you do and all that happens at a bank or credit union. You may take it for granted. But remember, it's probably all new to them. 
- Hi, Kara, my name's Amy. 
- Hi. 
- It's nice to meet you today. 
- Narrator: And as your kids get a little older, why not let them open their own savings account? 
- Open a savings account. Do you have a deposit today for your account? 
- Yeah. 
- Narrator: Most financial institutions have special no-fee accounts that make it easy to get started with just a modest deposit. 
- Congratulations, Kara, for depositing money into your savings account today. As you can see from this receipt, you deposited $32.56. 
- Cool. 
- All right! 
- Narrator: When kids have a savings account, their money is out of sight, and often out of mind. So they're less likely to spend it impulsively, while planning for the future. Over time, as kids continue to use a savings account, they also get the extra boost of seeing how interest is added. 
- So you can enter the amount you put in the bank into this box here. 
- Narrator: There are several Web sites they can go to that compute compound interest for any amount, based on current interest rates over time. These days many, if not most adults live paycheck to paycheck. It's like walking on a high wire without a safety net. But you can help your kids avoid that peril when they grow up, by teaching them the savings habit! 
- Whatcha got there? 
- Savings. 
- Wow! 
- Whoa! 
- That's a lot!