Savings is a pivotal tool not only for meeting unexpected needs, but also for longer-term asset-building. The primary goal of this study was to gain a better understanding of how EITC receipt in Native households is linked to savings and asset building. It seeks to understand tha ccessibility of financial services in Native communities and ways households utilize such services. Findings suggest that access to conventional financial services is essential for families to manage their finances and build assets. This brief concludes with describing the need for financial education and flexible banking services in Native populations.