SMB Online banking from Southwest Missouri Bank

Moola Moola Savings for Kids

Kids need a savings account that's all fun and no fees! Whether they're three months or thirteen years old, the Moola Moola account is right for them.

Take advantage of everything our Moola Moola Savings has to offer.

Fun Benefits
Make a deposit and pick a prize
Easter Egg Hunt
Summer Drive-In Movie
Visit with Santa
Birthday Card from Moola

Account for children 13 and under
$1 minimum deposit to open
No monthly service charge
No minimum balance
Earn interest on balance (interest rate subject to change)

Hey, kids! Let's have some fun! Here are some fun activities and saving tools.
P.S. Send me a picture of your colored Moola page - I'd love to see it!

Moola Moola Signature

Moola Moola Fun

Send me a picture of your page!
Word search, crossword and more!
Track your savings!

What does Moola like to do for fun?

Go to the mooooovies!

What do you call a magic cow?


What do you call a cow that drinks too much coffee?


What does Moola read in the morning?

The moos-paper

What do cows play at concerts?


Which cow is the best dancer?

The one with the best moooves!

What do you get when a cow is caught in an earthquake?

How do you count cows?

With a cowculator

What is as big as Moola but weighs nothing?

Her shadow

What do you get when you cross an angry sheep with a grumpy cow?

An animal that’s in a baaaaaaaad moooooood.

What do you call cattle that tell jokes?

Laughing stock

What were the cows favorite subjects in school?

Moosic, psycowlogy, and cowculus

What do you get when you cross a cow and a duck?

Milk and Quackers!

Where do cow astronauts stop to get a drink?

The milky way!

Frequently Asked Questions

What access do kids have to their savings account?

Kids can access their savings account in person and online. We offer online access so you can learn to save together. With a signed Parental Guarantee, kids can sign in and check their balance online 24/7 with their own SMB Online ID and password. If they have more than one account, they can make transfers too.

How do kids make a deposit?

The most exciting way to make a deposit is in the branch where they can visit the treasure chest and pick out a prize! Deposits can also be made to their savings by transfer from another account, mobile deposit, or by mailing a check to us directly.

Online options require a signed Parental Guarantee.

What access do adults have to the child's savings account?

As joint owner on the savings, you can have the savings account added to your SMB Online and access it with your own SMB Online ID and password. You can transfer money, set up an automatic savings transfer, and manage account details - all from one login.

What should we bring to open a savings account?

Bring your child's social security number and your driver's license, and we'll get you set up in no time!

If your address is different from the one listed on your license, please bring proof of current address as well.

How many withdrawals are allowed per month?

Savings accounts have a limit of six withdrawals per month. This includes online transfers out of the account.

What happens to the Moola Moola savings when the child turns 14?

When a Moola Moola Kid turns 14, their account is converted into a Regular Savings account. The minimum balance and monthly service fee will not apply until their 19th birthday.

Learn about our Regular Savings

Questions? We can help!

Call us