Acorns Early

Modak is a free kids debit card - actually free, not "free trial." No monthly fees, no minimum balance. Ages 8-17. 15+ card designs, Apple Pay/Google Pay, parental controls, real-time spending alerts, chores and allowance management. Kids earn MBX reward points for purchases and challenges, redeemable for real money at 100 MBX. Funded by small transaction fees, not subscription revenue.

FamZoo is a family bank. Prepaid MasterCards for kids, IOU accounts for younger ones, parent-paid compound interest on savings, automated allowances, and chore tracking. $5.99/mo per family with unlimited members and cards. FDIC-insured via MasterCard. Running since 2006 - the OG of family finance apps. Teaches money through actual money management, not simulations.

BusyKid connects chores to a real Visa prepaid card. Kids earn allowance by completing assigned tasks, then split earnings into Spend, Save, and Donate buckets. Teens can invest in real stocks through the app. The Visa card works anywhere Visa is accepted, with Pathward FDIC insurance and Zero Liability protection. Parents see every transaction.