Cub Account: Kids Savings Account
Save, Share, Spend and Earn With The Berenstain Bears®
The Berenstain Bears® Cub Account is a savings account specifically designed for kids aged 12 and younger. The program teaches your child the money management concepts of Save, Share, Spend and Earn so they can grow to make smart financial decisions! This special savings account for kids gives them a simple and fun way to practice real-world money skills with the guidance of a trusted financial partner. By learning these habits early, kids can build a strong foundation that supports good financial habits as they grow.
Fun and Simple Money Management for Kids
Cub Account Features:
- Get a free gift at account opening: “The Berenstain Bears® Visit the Credit Union” book
- Free Cub Passport Earn passport stamps by completing money tasks. Complete all tasks to receive $100 deposited into your Teen Checking Account at age 13
- For example, make your first deposit and get a stamp!
- Free Kids financial literacy newsletter mailed to the child
- Cub Account members and their parents can visit cubclubonline.com for games and other fun activities.
How to Open a Cub Account:
We want to help kids develop smart, healthy financial habits, so we make it easy to open a Cub Account at Kellogg Credit Union. Just have the following during account opening:
- Adult: A parent or guardian must be present to open a Cub Account.
- Identification: We require a SS card or Birth Certificate for the minor at time of account opening. As joint owner, you'll also need your photo ID.
- Deposit: Our Cub Account requires a $25 minimum opening balance!
- Existing Kids Club accounts can be converted to the Cub Account - Call us for details!
*$10 fee if the account is closed within 12 months. One book per child, while supplies last. The Berenstain Bears® Copyright, Berenstain Enterprises, Inc. 2025.
Open a Cub Account and get “The Berenstain Bears® Visit the Credit Union” book
Visit Cub Club Online for
educational games, activities, and money management resources!
Why a Savings Account Matters for Kids
Opening a savings account early helps children build healthy financial habits that last a lifetime. A dedicated account gives kids a hands-on way to learn how money works, including how it grows, how to set goals, and why saving a little at a time makes a big difference. It also builds confidence and responsibility by letting them take ownership of their own money in a safe and structured environment. For parents, a kids’ savings account creates an easy way to teach budgeting and goal-setting while giving their child a head start on smart financial management.
Start Building Strong Financial Habits With a Kids Savings Account
Open a Cub Account through Kellogg Credit Union today and help your child on their way to building lifelong money management skills.