Motivation to Save: A Financial Capability Project

building A two-generation savings solution


This 3-year project, funded by W.K. Kellogg Foundation, builds on an earlier pilot conducted in Washington State that linked WorkFirst Community Jobs participants to bank accounts (pilot report).  Taking what we learned, we'll test a two-generation savings solution that equips parents receiving Temporary Aid for Needing Families, and their children, with tools to establish new savings habits that can improve their overall financial well-being.

The pilot showed good results with 42% of clients starting to save.
— Community Jobs Bank Account Pilot Project Report


The Community Jobs Pilot Project availed client-focused financial empowerment services to parents receiving assistance through the WA State's WorkFirst Community Jobs (CJ) program, a program funded by Temporary Aid for Needy Families (TANF).  Along with the job opportunity, parents were also offered a bundle of financial services including access to low-cost bank accounts, electronic funds transfer, Money Smart financial education or other group financial education classes, and financial coaching that addressed the clients’ struggles with personal financial management. The "Bank On" Program in Cowlitz County has several credit union and banking partners that expanded access to low-cost financial services for county residents. The CJ program was a relevant setting for blending financial empowerment activities with job training.  As well, the program prepared participants to enter the workforce with the goal of increasing their incomes through unsubsidized, full-time employment.  

For more information about this two-generation project, contact Alicia Atkinson, Program Development Manager, at