Youth and Young Adult
Smart Start Savings
Hastings City Bank Smart Start is a savings account designed for young people under the age of 18. With each account you open, your saver receives a piggy bank.
At age 12 a Smart Start savings member may apply for a HCB Cash Card, which allows up to $50.00 ATM withdrawals from the account.*
At age 16 you may request an Options Checking Account and higher ATM and Point of Sale transaction limits.*
This account is designed for those ages 16 to 25 with a current student ID. It offers all of the benefits of our Options Checking Plan, however, the monthly fee is waived with eStatements.
Smart Start members may transfer to a HCB Savings Account at any time. The monthly fee is waived until age 25 with a current student ID.
To learn more about savings and financial education, explore these fun links!
American Bankers Association Foundation
Suggested reading for financial education
Lower Elementary: Pre K – 2
Little Critter: Just Saving My Money
Follow the Money!
A Dollar for a Penny
Bargain for Francis
The Berenstain Bears’ Dollars and Sense
A Chair for my Mother
Money, Money, Honey Bunny!
The Cat in the Hat’s Learning Library: One Cent, Two Cents
Do I Need It? Or Do I Want It? Making Budget Choices
Upper Elementary: Grades 3 – 5
Gabriel Gets a Great Deal
How Much is a Million?
Just Enough Carrots
Tia Isa Wants a Car
Isabel’s Car Wash
Lemonade for Sale
Rock, Brock, and the Saving Shock
The Story of Money
Middle School: Grades 6 – 8
Eyewitness Books: Money
The Mighty Miss Malone
Flat Broke: The Theory, Practice and Destructive Properties of Greed
Follow Your Money: Who Gets It, Who Spends It, Where Does It Go?
Go Figure! A Totally Cool Book About Numbers
Jackson Jones and the Puddle of Thorns
Mr. Chicken’s Funny Money
One Hen: How One Small Loan Made a Big Difference
The Lemonade War Series #1: The Lemonade War
High School: Grades 9 – 12
Not Your Parents’ Money Book: Making, Saving, and Spending Your Own Money
Paying for College Without Going Broke
Start It Up: Complete Teen Business Guide to Turning Your Passions Into Pay
The Wealthy Barber, Updated 3rd Edition
Making Money Work: The Teens Guide to Savings, Investing and Building Wealth
All About the Green
For the older student:
FDIC Money Smart Program
iHELP Student Loans
Practical Money Skills for Life
Smart Credit Matters
National College Access Network FAFSA Information
Barry CAN (Career Access Network)
Hastings City Bank considers financial literacy an important part of our business. To request a Teach Children to Save classroom presentation, contact Nancy Goodin via e-mail or at 269-948-5579.
*Please see our Hastings City Bank Customer Service Representative for details.