They are among a record number of country kids stashing their cash away in school bank accounts, according to new research from the Commonwealth Bank.

In the past financial year, there was a 17 per cent increase in the number of school bankers in regional NSW, with a 24 per cent increase in the amount of deposits.

The study also revealed those who banked at school were more successful across a range of measures later in life, including financial commitment, discipline and control.

Calala mum of two Angela Goodfellow said the importance of saving had been instilled in her daughters from an early age.

“We’ve always tried to encourage them to save, and to talk to them about whether they want to go on that ride or have that lolly now or save the money for something bigger later on,” Mrs Goodfellow said.

“Now that Grace is six, she’s really starting to understand the value of money and works out how much more she needs to buy something bigger.”

Commonwealth Bank school banking spokeswoman Danielle Murrie said it was the habit, rather than the amount, that was important for children.

“You can bank 20c every week if that’s all your family circumstances can afford – it’s not the amount, it’s the behaviour,” she said.

“Establishing that behaviour is really what sets you up for really good behaviours when you’re an adult.”