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

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.

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.

The education piece

16 planets kids actually want to visit

Saving, budgeting, credit, interest, giving and more. Short lessons, a game, then a checkpoint that earns a badge.

The KidCash Universe hub: planets for each money topic floating in space, with the mascot in the corner

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.

The KidCash mascot climbing a stack of coins toward a star

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.

Where KidCash is today

Growing every week, no paid ads

630

families with at least one kid

20–30

new families a week

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.

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.

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.

Security and privacy

Built to pass your vendor review

Money and bank dataNone held. No cards, account numbers or money movement.
Children’s privacyParents own every account; kids sign in with a family PIN; no ads or trackers on kid screens.
Data protectionEncrypted in transit and at rest; PIN or Face ID lock on money changes; deletion on request.
For your reviewSecurity questionnaire, COPPA summary, data processing agreement. [SOC 2 roadmap date]

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