Savings Programs

OPTA designs customized savings programs. These programs often feature financial incentives that are offered to individual savers by program sponsors to help them remain motivated and on track. Programs are offered either as turnkey for direct implementation by the organization; or managed, which retains OPTA for ongoing data management and program support. We specialize in the following categories of incentivized savings programs

Children's Savings Programs

Savings Accelerated Account

Individual Development Accounts



“…I signed up for this because I thought it would be a way to get free money, but I never envisioned a total overhaul of my financial lifestyle. Best incentive strategy ever.”


“Thanks to the Ramp-UP program, I have been working really diligently to earn more and to cut back on expenses in order to pay off my student loans AND fund my 6-month living emergency savings.”