Does your credit union take a “one size fits all” approach to small-balance savings accounts? If so, you might be overlooking an important opportunity to encourage saving and help your low-wealth members develop a savings routine. Whether for emergencies or for future purchases, it’s more important than ever for low-wealth households to build savings. In this low-interest rate environment, traditional share savings accounts won’t provide the functionality, resources, and incentives that consumers need to take the savings plunge.