Star Savers
A Smart Start for Young Savers
At Farmers & Merchants Bank, we believe it’s never too early to build habits that last. Star Savers is a savings account for kids from birth to age 18, built to fit every stage of childhood and make saving something they carry into adulthood.
An Account That Grows with Them
Star Savers fits every chapter, from the day they’re born through their 18th birthday. Along the way, their balance earns interest, helping today’s savings add up over time.
Themed Packages, Four Times a Year
Each quarter, a themed package arrives in the mail, filled with activities and simple lessons that make saving fun and teach the whole family why good money habits matter. It’s a hands-on way to turn saving into something kids and parents can explore together.
A Birthday Gift That Adds Up
Birthdays come with a little extra for Star Savers. Every year, a savings match rewards what they’ve already put away, right in time to celebrate.
Good Habits, Started Early
When kids start saving young, it becomes second nature. Star Savers helps them learn the hows and whys of saving, with lessons meant to stick for life.
Simple to Open, Simple to Keep
It takes just $10 to open a Star Savers account, with no monthly fee when a $25 daily balance is maintained. Interest rates are tiered, so the more they save, the more it works in their favor. See current rates.
Frequently Asked Questions
Can grandparents open an account for a grandchild?
Yes, any adult can open a Star Savers account on behalf of a child in their life.
What happens to the account when my child turns 18?
The account can transition to a standard personal savings account so their good habits carry over.
Can I open an account online?
Star Savers accounts are opened in person at any Farmers & Merchants Bank branch. Find a branch near you.