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SavvyStudent is a student banking program designed to teach financial literacy to kids and teens. With built-in money management tools, this youth debit card** helps students learn essential financial skills through interactive online courses. As they complete lessons, students earn real rewards—making it fun and educational. SavvyStudent combines smart banking with financial education to empower the next generation with lifelong money confidence.
With this account, you will gain access to our intuitive and robust mobile app. Inside the app, users can check balances, seamlessly transfer money between accounts, create parameters for the debit card, set up alerts, and so much more.
Do you want to support Chelsea, Dexter, or Grass Lake Schools? We’ve made it easy for you to express your school pride with the SavvyStudent Debit Card! When ordering your debit card, students can choose one of the three logos below. Chelsea State Bank will make a donation for the school spirit card chosen at account opening.
By collaborating with the FDIC (Federal Deposit Insurance Corporation), we offer engaging and reliable learning resources covering topics such as banking, saving, budgeting, spending, and much more. Additionally, we have a rewards program where kids can earn cash rewards deposited directly into their accounts*** upon completing a certain number of courses, helping to enhance their savings goals and keep them motivated to learn.
The concepts listed below by grade are either worksheets students can complete (for grades pre-k through 5th grade) or online modules students can complete (grades 6 through 12).
| Pre K – 2nd Grade | Grades 3 – 5 | Grades 6 – 8 | Grades 9 – 12 |
| Counting Coins |
Make a Plan (Budgeting) | Earn | Earn |
| Jobs & Action Words | Payment Decisions | Spend | Spend |
| Needs vs. Wants | Complete the Story (Invest) | Save & Invest | Save & Invest |
| Savings Goals | Borrow & Protect | Borrow & Protect |
Pre-K- Grade 5: Students in Pre-K through 5th grade can earn their rewards by completing the worksheets included in their account opening packet. They can return these worksheets to one of our locations or have a parent or guardian upload a photo of the completed worksheet via the chat feature in online banking.
Grades 6 – 12: Students in grades 6 through 12 can earn their rewards by finishing online game shows and submitting their certificate of completion***
How Does The Financial Literacy Rewards Program Work?
SavvyStudent follows the FDIC’s How Money Smart Are You curriculum. This fun and interactive program offers financial literacy for all ages.
Students Pre-K to 5th Grade: will complete worksheets to earn rewards for completing their financial literacy courses (coloring pages for the younger grades). Students can either bring in their complete worksheet or completed coloring pages to one of the branches, or with their parents’ help, they can take a screenshot of the certificate and upload it to the chat feature within online banking.
Students 6th Grade – 12th Grade: will access the program through the FDIC’s website. Each lesson can take 45 minutes – and hour or more. Students can either bring in their certificate of completion to one of the branches, or with their parents’ help, they can take a screenshot of the certificate and upload it to the chat feature within online banking.
Which School Mascotts/Logos Can We Choose From For the Debit Card?
Great question!
Currently, our choices include Chelsea, Dexter, and Grass Lake. We also offer a yellow debit card that does not have any school affiliation.
How Do I Sign Up My Child?
It’s Simple!
If you are a student (Pre-k through 12th Grade) and you already have a savings or checking account with Chelsea State Bank, you will need to come in with your parents to add this product to your account and to order your new debit card.
If you are a student (Pre-k through 12th Grade) and you do not have a Chelsea State Bank Account, bring the following items to any of our banking centers:
Chelsea State Bank may revise or terminate the SavvyStudent program at any time for any reason, and at the bank’s sole discretion. Financial Literacy Programming is provided through the FDIC. *3rd party fees may apply. **Subject to credit approval (parent/guardian). ***Rewards will be paid via ACH.
Chelsea State Bank (CSB) has been my bank of choice for many years, personally and professionally. From car loans to home mortgages, and checking and savings accounts, CSB has handled all very timely and accurately. CSB provides excellent customer service, friendliness, and helpfulness, which are all very important to me. They truly care about their customers. I would not hesitate to recommend CSB to anyone. - Sue Collier
With our exciting expansion in less than two years we found it very difficult to navigate the traditional big banks for our lending needs. CSB came alongside us and with the help of the SBA, we're able to source critical funding for us to secure our next level of growth. Now, we will be able to serve even more clients in Chelsea and bring close to 50,000 visitors annually to our beautiful little town. Thank you, CSB for all you do and for championing the small businesses that so greatly need you.
We decided to sell our family home and make plans to build our dream home. This three-year journey from hope to home could not have happened without the help of Mark Burmis and Chelsea State Bank.
