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Improving financial literacy is extremely important at The Bank of Tioga. Our mission is to collaborate with school districts and promote financial literacy, providing programs to students in grades K-12 with the knowledge to make sound financial decisions. 

In the United States today, families are faced with critical financial decisions now more than ever. We serve as a resource to help families handle decisions concerning the economy, education and most importantly, personal finance with expertise. We are taking a long-term approach to solve financial pain while helping create a more financially savvy future generation.

Joy Sparks currently serves as Financial Literacy Coordinator with The Bank of Tioga. Below are some of the ways we are involved in our community: 

DC Branch

On January 24, 2018 the first in-school savings bank in the state of North Dakota opened at the Divide County Elementary School. The Bank of Tioga’s DC Branch will serve students in kindergarten through sixth grade. At this branch, students can begin saving for their long-term and short-term goals. Currently, four student tellers were “hired” to help DC Branch clients with their transactions. Read more about this project here.

Real World Camp

At Real World Camp, 9th graders learn practical money skills while enjoying a fun day of activities. Five interactive morning sessions give students the financial skills they will need, then after lunch, they play a role-playing game of an adult with a job, a family and a budget in the Real World City. The Real World City is made up of businesses and organizations that set up shop to serve the students in their new adult roles as they confront real-life scenarios with visits to the shops as they try to stay in their family’s budget. This is the first Real World Camp in Williston, ND. Bismarck is in its eighth year of this great event.

Money Mammals

Tioga, Ray, Divide County and Powers Lake kindergarten classes are learning from the Money Mammals how to save, share and spend smart. This class includes a lesson and a piggy bank for the students to save at home.


The Choices program is designed to help students make positive choices that will increase their career and life opportunities. Eighth graders from Tioga, Ray, Divide County and Powers Lake schools will learn in this interactive decision-making workshop focused on keeping teens in school, motivating them toward their education and future and introducing them to practical skills to help them succeed.

Junior Achievement

Volunteers in Tioga and Ray will bring Junior Achievement to students in kindergarten to 6th grade at Ray Elementary and Tioga’s Central Elementary for the first time in 2018. Junior Achievement is the nation's largest organization dedicated to giving young people the knowledge and skills they need to own their economic success, plan for their futures and make smart academic and economic choices.

Piggy Bank Pageant

Fourth-grade students in Tioga, Ray, Divide County and Powers Lake will participate in a Piggy Bank Pageant in the spring. Students will learn the power of saving and get to design their own personal bank. The winning designs will be shown at The Bank of Tioga and will get a cash prize to start their savings. 

For more information about these financial activities and more, contact Joy Sparks, The Bank of Tioga at 701.664.3388.