Willie is having a rough day. He has already struck out in a Little League game, and now he must find a savings bank for a contest at school - by tomorrow! Dad has just the answer. It's an alkansiya, a bank made out of a coconut shell from the Philippines, where Dad grew up. He's been saving it for Willie because of a surprise inside, a treasure Dad got when he was a boy.

Willie reluctantly takes the bank to school, knowing he will be teased by his classmates for having such an unusual bank. In the weeks that follow, Willie works hard at saving his play money to win the contest. But as he works he also wonders, what will the surprise in his bank be? Is it really something special?