Middle and High School

School Banking Program

For many years, Bank of Lancaster has had a strong commitment to help young people, from primary to high school, understand the importance of learning how to save at an early age and learning how to handle credit responsibly. The choices these young people make today can truly affect their lives for years to come; and as community bankers, we want very much to share our knowledge and our experience with them … we want to make a difference.

Partners in Success

Through our partnership with both the Virginia Bankers Association and the American Bankers Association, we want to help these young people understand that financial education is a life-long process that begins early in life. The School Bank program gives us a wonderful opportunity to make a difference in the lives of these students, and we’re excited because for many of these students, this is a first step.

Through the School Bank, and helping these young people develop a habit of saving, many of these young people will begin to develop life-long decision making skills that are needed to become effective, informed citizens, consumers, investors, and employees. 

Bright Futures Bank, a partnership between Bank of Lancaster and Lancaster Middle School, has opened for its 9th year of operation. The 7th grade students who have been selected to run the school bank for the 2015-16 school year recently visited Bank of Lancaster's Main Office to learn about banking, privacy, and their new positions as student bankers. Feautred are (l to r - back row) Bank of Lancaster's Senior Vice President & Consumer Education Director Hazel Farmer, who conducted the tour and training session; students Noah Booth, Dayshana Sanford, Kat Zeiler, Daniel Smith, Chloe Fridley; (l to r - seated) Karson Roop, Tabitha Baugh, Spirit Yarbough.

Bright Futures School Bank, a partnership between Bank of Lancaster and Lancaster Middle School (LMS), is now in its 8th year of operation.  The school bank is operated by 7th and 8th grade LMS students and supervised by Bank of Lancaster personnel.   Top Savers for 2015 were recently recognized during a Bank Board meeting.  “Top Savers are recognized not for the amount of their deposits but for the number of times they choose to save,” states Hazel Farmer, Senior Vice President and School Bank Coordinator. “It is always a fun day to have students visit the Bank and meet our President, our Directors and other members of the staff.  We are extremely proud to partner with LMS to bring this unique educational opportunity to the students.”   Timothy Booth, Top Saver, is being congratulated by Bank President & CEO Randy Greene.  (front - l to r) Greene, Booth, Top Savers Harris Clarke, Noah Booth, Kaylee Donavan, Olivia Saunders, and Rachel Clarke; (back – l to r) Matt Bruning, VP, Government Relations with the Virginia Bankers Association and Dwight Clarke, Director and father of two of the Top Savers. Each Top Saver was given a deposit for their Bright Futures School Bank Account. Seated are Rick Farmer, Chairman of the Bank’s Board and Ken Bransford, Director and retired Bank President.

Bright Futures Bank at Lancaster Middle School is now open for its 8th year of operation! Bank of Lancaster’s Shirley Davis (left) will supervise the student bank each week; new student bankers are (l to r – front row) Courtney Croasdale, both teller and marketing associate; Kellum Hayden, teller; (l to r – back row) Sydney Price, Riley Molineaux, Kennon Roop, William Sosby, tellers; and Lancaster Middle School’s Brenda Pittman, school bank coordinator. Returning student bankers are Matthew Brocklebank, Skylar Rice and Jeremy Tyson.

Bright Futures Bank, a partnership between Bank of Lancaster and Lancaster Middle School, will open soon for its 8th year of operation. 7th grade students who have been selected to run the school bank for the 2014-15 school year recently visited Bank of Lancaster’s Main Office to learn about banking, privacy, and their new positions as student bankers. Featured are (l to r – back row) students Sydney Price, Kennon Roop, Kellum Hayden, William Sosby, Riley Molineaux; (l to r – front) Courtney Croasdale and Bank of Lancaster’s Shirley Davis, who will supervise the school bank.

Bright Futures Bank, a partnership between Bank of Lancaster and Lancaster Middle School, just concluded its 7th year of operation. Bank of Lancaster’s Senior Vice President and Consumer Education Director was on hand to present awards to the year’s Top Savers and also to recognize the work of the student bankers. Top Savers for the 2013-14 school year were: (l to r) seated: 4th place – Amaya Warner; 3rd place – Alyssa Booth; tied for 2nd place – Robert T. Booth, Javian Robinson; 1st place – Noah Booth; and Bank of Lancaster’s Juanita Haynie, school bank supervisor; (l to r) standing: 8th grade student bankers Emilie Webster, Jayson Gill, Hayden Davenport, Desiree Saunders, Chase Osborne, and Lucy Washington; Alyssa Booth seated is also a rising high school student; 7th grade student bankers Matthew Brocklebank, Jeremy Tyson, Skylar Rice; and LMS Teacher Sue Forrester. Not available for photo was 7th grade student banker Deasya Coleman.

Shown above are the new Bright Futures Bank employees for the 2012-1013 school year.


Lancaster Middle School and Bank of Lancaster made history for our Northern Neck as the area’s first School Bank opened on Wednesday, January 9, 2008. The School Bank gained the attention of the banking industry and in support of this educational opportunity for our local youth, on hand for the Ribbon Cutting Ceremony and Grand Opening were not only local but state and national banking officials.

   All LMS students may open a savings account with Bright Futures Bank; it only takes a $1.00 to open the account. In order for every student at the school to be able to participate in the program, Bank of Lancaster mailed each of them a $1.00 bill. Students were encouraged to bring that dollar with them to open the account; and if the serial number on their bill matched a list of winning serial numbers, the student would win an additional $10 for their savings account. Eleven of the fifteen winning numbers came in, which was an amazing percentage.+

  Job descriptions were posted when school opened, and seventh and eight grade students were given the opportunity to interview for the positions of branch managers, tellers and marketing officers. The Bank is manned by 7th and 8th grade students, who have gone through an intense training program with the Bank’s training Officer. A Bank of Lancaster representative is always there during banking hours for support.

Bright Futures is open for business every Wednesday from 11 a.m. until 1 p.m.

Featured Articles: Bright Futures Opens for 8th Year

                               Bank of Lancaster Recognizes Bright Futures' Students           

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