Abstract: A toy bank which resembles a building has customizable facades suggestive of saving, giving and spending. The saving facade is representative of a financial institution. The giving facade is representative of a shelter, for charity. The spending facade is representative of a storefront. Each facade is associated with a separate chamber in the bank for the accumulation of money. The chambers can be accessed through doors provided in the associated facades. A fourth facade can be provided to hold a log book so that a child can keep track of his or her money.