Youth Savings Challenge

family sitting together with a jar money

Saving is a lifelong endeavor.

We're offering incentives to help kids grow their savings and create healthy financial habits for life! The Youth Savings Challenge sweepstakes* rewards savers with chances to win account deposits of $50, $100, or $250 each month. The $500 grand prize will be awarded to a lucky winner semiannually!

It's easy to participate and receive automatic entries for deposits of $10 or more in Smart Sense Savings and other qualified accounts. Get started today so you can be entered in the first monthly drawing and rack up chances to win $500!

                         Open Account 





How You Can Qualify

You can be automatically entered in our Youth Savings Challenge Sweepstakes three ways:

Open a Youth Account

Opening a Youth Account for your child (or dependent), and you're automatically eligible for our monthly drawings and one semiannual grand prize.

Open a Youth Account


Deposit $10 into Savings

Receive one entry for deposits of $10 or more made in your Smart Sense Savings or other qualifying accounts during each monthly sweepstakes period.*

Learn More About Savings Accounts 


Send a Mail-In Entry

Receive one entry when you have an active Youth Savings Account and mail your name, street address, phone number, and email (optional) to 4 Winners Circle, Albany, NY 12205 with attention to Youth Banking.

Contact Us With Questions


Let Us Help

Need assistance?

Visit a branch near you

Call 800-727-3328

*No purchase necessary.  See Official Rules.