a group of children smiling

Cool Owl Kid's Club Savings

Cool Kids Club Savings

A piggy bank will only take them so far. Our cool owl will have young savers flying high with interest and sweet perks.

Key Features

  • Competitive interest
  • Digital banking
  • eStatements





We pay for "A's"


The "Pay for A's" program teaches students that hard work comes with a reward — while providing the perfect starting point for a financial education. 
Learn how to save money, what to spend it on, and start thinking about your future.
Here's how it works:
  • Just show us your report card and receive a $2 credit for each "A" grade earned per semester1 (maximum of $16 per semester)!
  • At the end of 1st and 3rd quarter, you can bring in your report card for a chance to win $500! Each "A" is an entry into our drawing! The child does not need to be a Cool Owl Kid's Club member to enter into the $500 drawing.
  • Cool Owl Kids must be present when depositing the money for each "A" at the end of the semester.
  • Also, make sure to bring in report cards before the cut off dates to be paid for A's or to be entered into the $500 drawing:
1st quarter = December 1
2nd quarter = March 1
3rd quarter = May 1
4th Quarter = August 1

1Offer available for new and existing Cool Owl Kid's accounts. "A" credit will be deposited to your account upon receipt of a report card. Subject to 1099 reporting. Offer cannot be combined with any other offer and is subject to a maximum of $16 per semester. Valid for students in grades K-12. Report cards must be presented within cut-off dates to receive the $2.



  • Fun and easy way for kids to learn the value of saving
  • Available to young savers up to 18 years old
  • Earn competitive interest
  • No monthly service fee
  • No minimum balance requirements
  • 6 free withdrawals per statement cycle; $1 per withdrawal thereafter
  • Enjoy the added perks:
    • Free welcome kit
    • Get rewarded for A’s
    • Get entered into a $500 drawing after every 1st and 3rd quarter
    • Prizes for saving money
  • Free digital banking
  • $1 minimum deposit to open
What is the Cool Owl Kid's Club?
The Cool Owl Kid's Club is a savings account created just for kids here at Belgrade State Bank!

Why do I need a savings account?
A savings account is a safe and easy way for kids (just like you) to learn how to manage your money! And Belgrade State Bank makes saving money fun!

How much does it cost to join the Cool Owl Kid's Club and open a Savings Account?
It only costs $1 and your social security card to open!

What's in it for me?
  • Your very own welcome kit!
  • Bring in your report card and get rewarded $2 in your account for each "A" grade earned up to $16.00 per semester
  • Bring in your report card after 1st and 3rd quarter to be entered into a drawing for $500!
  • Prizes for saving money!
What if I already have a Cool Owl Savings Account?
No problem, just come in and get your free welcome kit. And don't forget to bring in your report card for the "A's"!


















Woman raising hand to ask question

Got questions? Contact us today.

Whether you have questions about online banking, checking accounts or mortgage loans, we're here to help!

online security image

Protecting your identity online.

Your identity is one of the most valuable things you own. It's important to keep your identity from being stolen by someone who can potentially harm your good name and financial well-being.

people calculating their finances using financial documents, calculator, desktop and laptop

Budgeting for today & tomorrow

What’s the first step for financial planning? Do some number crunching with these financial calculators.