A child’s future is the wealth we nurture today.
Through the Toto Junior Account, we empower families to grow savings discipline and secure lasting financial stability.
Tunakuza Utajiri Wako.
A child-focused savings account that promotes early financial discipline.
Features
- For children below 18 years
- Birth certificate required for registration
- Minimum operating balance: KES 1,000
- Earns interest at 6% p.a.
- Free branded piggy bank
- Annual fun day participation
- Maximum 3 withdrawals per year
Special Benefits
- Builds early savings culture in children
- Encourages long-term financial planning for education
- Child-friendly incentives and engagement activities
How to Make Member Deposits
Members can make deposits into their SACCO account through any of the following convenient channels:
- Employer Check-Off – Monthly deductions made directly from the member’s salary and remitted to the SACCO by the employer.
- Direct Deposits / Over-the-Counter (OTC) – Cash or cheque deposits made directly at SACCO offices or designated banking halls.
- Mobile Banking – Through the Spot Cash App, Pesa Pepe App, or USSD codes *645# and *879#.
- Paybill Number 129104 – Deposit funds conveniently via M-Pesa.
- Direct Debit – Authorize your bank to automatically transfer funds from your account to your SACCO account.
Standing Order – Set up a standing order with your bank to transfer a fixed amount periodically (e.g., monthly) directly to your SACCO account.