KidCash for Credit Unions
Win the next generation of members at the kitchen table
Allowance, chores, savings goals and a money-lessons game for kids, under your credit union’s name.
kidcashapp.com
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Open with the problem every credit union board already knows: members are getting older. KidCash puts the credit union in front of families when kids first learn about money.
The problem
Membership is getting older
~53
Reported average age of a credit union member
39%
of members are boomers, up from 28% in 2015
11%
of Gen Z belong to a credit union
Families choose where kids learn money long before a first checking account. Fintechs are getting there first.
Figures reported in trade press and industry surveys, compiled Nov 2026; not audited.
These are reported figures from trade press, not NCUA data. The credit union that reaches parents when kids are 6 to 12 has a head start on the youth account and the first car loan.
What families get
Money habits, one payday at a time
💸
Allowance that pays itself Paydays land on schedule, split into Spend, Save and Give.
✅
Chores and goals Kids earn extra and watch a savings goal fill up.
🪐
KidCash Universe 16 money planets with lessons, games and checkpoints.
⌚
Everywhere iPhone, Android, web, Apple Watch, Siri, Alexa. 17 languages.
Keep this quick; the demo does the work.
The education piece
16 planets kids actually want to visitSaving, budgeting, credit, interest, giving and more. Short lessons, a game, then a checkpoint that earns a badge.
This is what a credit union can point to as financial education. Play is free on every plan.
The difference
KidCash never holds the money. Your credit union does.
No card, no partner bank. Deposits never leave for a fintech’s sponsor bank.
No middleware to fail. When Synapse collapsed in 2024, kids’ cards built on it stopped working.
One tap to a real account with you.
Greenlight holds family money at its own partner bank. Copper's accounts ended in May 2024 when Synapse failed; this model carries no such risk.
What your credit union gets
Your name on the app kids love
🎨
Your brand “KidCash for [Credit Union]”: your logo, colors and welcome message.
🏦
A path to accounts “Open a youth savings account” goes to your own account opening.
📊
A dashboard Families enrolled, kids active, lessons completed. Totals only.
Members get the full Family plan free, courtesy of you.
Co-branding, the account link and the partner dashboard are being built for the first pilots. Say so plainly.
Where KidCash is today
Growing every week, no paid ads
630
families with at least one kid
124
families paid automatically last week
16
money planets in KidCash Universe
Built by a dad of seven. [Add App Store rating and review count]
KidCash internal data, week of Nov 2, 2026.
Be honest that this is early. The pilot exists to produce a credit union case study. Update numbers before each meeting.
Pricing
One yearly fee. Members pay nothing.
Community $6,000 / year
Under 25,000 members 1,500 families included $5,000/yr on 3-year prepay $1,500 setup Regional $18,000 / year
25,000–150,000 members 6,000 families included $15,000/yr on 3-year prepay $3,500 setup Enterprise from $40k / year
150,000+ members, banks Unlimited families Multi-year pricing quoted Setup from $5,000
Above included families: $0.75 per family per month, never more than the next plan. Banks: school sponsorships $1,500 per school for CRA reporting. USD, billed yearly.
Anchor: Zogo deals reportedly ran about $50K over three years; Banzai prices by asset size. Per-family fallback if asked: $2.50 per family per month, $3,000 minimum.
Founding partner pilot
90 days free. Then decide.
Launch Co-branded app, branch and email materials, onboarding help.
Agree goals Families enrolled, kids active, youth accounts opened.
Measure A monthly report on those goals.
Decide at day 90 Not working? You owe nothing.
First 3–5 partners: 50% off year one for a case study and reference calls.
The pilot is a signed order that converts to a paid first year unless cancelled within the 90 days.
Security and privacy
Built to pass your vendor review
Money and bank data None held. No cards, account numbers or money movement. Children’s privacy Parents own every account; kids sign in with a family PIN; no ads or trackers on kid screens. Data protection Encrypted in transit and at rest; PIN or Face ID lock on money changes; deletion on request. For your review Security questionnaire, COPPA summary, data processing agreement. [SOC 2 roadmap date]
Only claim what is true on the day you present. SOC 2 is not done.
Next steps
Let’s launch KidCash for your members
1. A 20-minute demo with your marketing and youth teams
2. Pick the goals for a 90-day pilot
3. Your branded KidCash goes live
hello@kidcashapp.com
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Close on the pilot, not the price.
