Acorns Early
Visa·United States only.Verified July 2026
KidsTeenFDIC insuredInvesting
Illustration — not the actual card design.
Strengths
- Best built-in financial education of the panel — Money Missions is genuinely well-designed.
- Simple, competitive pricing for a single kid at $5/mo.
- Giftlinks let extended family send money easily, no bank details shared.
Weaknesses
- No platform-paid savings interest or cash back.
- Kids never practice investing themselves — the custodial account is passive.
- The GoHenry → Acorns transition made pricing and plan names confusing.
Monthly fees
$5–$10/mo
$5/mo for 1 kid or $10/mo for up to 4 kids (formerly GoHenry).
Parental controls
Solid basics: spend limits, chore approval, real-time alerts, and Giftlinks for family transfers.
Savings features
No platform-paid savings interest. Parents can set up their own paid interest on saved balances.
Security
PIN, biometric unlock, transaction alerts, instant card lock.
FDIC coverage
Debit account FDIC insured via Community Federal Savings Bank. Custodial investment accounts are not FDIC insured.
Investing
Parent-managed custodial investment accounts. Kids don't place trades themselves.
Financial education
Money Missions — the market reference. Curriculum-aligned quizzes, badges, and rewards.
Customer support
Email and in-app chat.
Geographies
United States only.