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Till Financial

Till Financial isn't available on Finder right now.

Fee
$0 per month
Age requirements
Any age

Our verdict

This free kids’ banking app and card comes with parental savings boosts and is for the whole family.

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The Till kids' account stands out for providing a platform with no monthly fees while still offering chore, allowance, savings and direct deposit features. One of its best features is its savings contributions, which lets parents boost their kids’ savings by matching what their kids put in or by contributing a regular, fixed amount. Till also gives an option for parent-paid interest, kids are encouraged to set their own savings goals, and family can support them by contributing to them or congratulating them with a cash reward for meeting their goal. However, Till doesn't offer custom spending limits, and you can't make cash or ATM deposits.

Best for: Large families in need of a free debit card with savings features.

Pros

  • No monthly or overdraft fees
  • Offers virtual and physical cards
  • Create subaccounts for all family members
  • Savings goals and chore tracking
  • No-fee ACH transfers

Cons

  • Doesn't accept ATM or cash deposits
  • Only links with one funding source
  • No custom spending limits

In this guide

  • Our verdict
  • Your reviews
  • Ask a question

Who is Till best for?

Till is best-suited for large families who want to avoid monthly fees. Till doesn’t charge anything to open or maintain the account, whereas other top competitors like Greenlight or Acorns Early start their pricing at around $5 per month.

Till also gives some more freedom to add who you want to the family account. Each child gets their own physical and virtual Till debit card, and there’s no extra cost for adding more family members or children. Account owners at least 18 years old can sign up for Till as a Family Owner and invite more people, which can include parents, grandparents, aunts, uncles or even close friends — invite your village.

What we like about Till

The Till Financial kids’ banking app is free to open and maintain. Overall, Till has barely any fees. There are no monthly, overdraft, ATM, ACH transfer, inactivity, paper statement or returned item fees. Just know that while Till doesn’t charge ATM fees, third-party ATM service fees may apply.

And just for peace of mind, Till Financial may not be a bank itself, but its accounts are FDIC insured up to $250,000, thanks to its bank partner Coastal Community Bank.

Three ways to boost kids’ savings

One of the standout features of Till is the parent-match saving contributions. Parents can choose one of three ways to help incentivize their kids to save and boost their savings:

  1. Set up weekly recurring savings contributions
  2. Match a percentage of each contribution your child makes
  3. Parent-paid interest percentage of the total amount saved

Many ways to send funds

Parents can add multiple family members and children to one Till account if they’re a Family Owner. Once the account is set up, parents and family members can send funds to kids in multiple ways:

  • Quick Gives: A one-time transfer from an adult to a child.
  • Allowance: Set up recurring transfers from parent to child.
  • Direct deposit: Working teens can set up direct deposit from their employer.

Chore and allowance tracking

A key feature of any solid kids’ banking app, Till offers chore and allowance tracking.

Parents can create custom chores and rewards for completing tasks, and set chore reminders and deadlines. You also have the flexibly of creating one-time tasks or recurring chores.

Once kids complete a task, they mark it complete in the app and the pre-set payment amount you set for the task will be automatically sent to their Till card. Additionally, you can set up automatic allowances not tied to chores.

Where it falls short

Like many fintech companies, Till doesn’t accept cash or ATM deposits. To fund your child’s account, you’ll need to do either an ACH or debit card transfer to the child’s wallet. Till doesn’t charge anything for ACH transfers, but you may be charged up to 3% for a debit card transfer.

Till also lacks where many other kids’ banking apps excel: educational features. Many other kids’ banking apps, such as Greenlight and Acorns Early (formerly GoHenry), offer educational games, videos or tools to help kids learn about money management.

No custom spending limits

Till doesn’t give parents the option to set any custom spending limits. For comparison, other kids’ cards like Acorns Early let parents toggle limits for in-store, online and ATM withdrawals, and Greenlight lets parents set store-level and category spending limits.

The only limits we could find with Till were a $2,500 daily purchase limit and a withdrawal limit of no more than $250 cash at an ATM.

Till’s fees and access

Type of feeFee details
Monthly service
$0
Opening deposit
$0
ATMs
  • Domestic: $0 from Till, ATM network fees may apply
  • International: $5 withdrawal fee, plus possible service fees
Debit card fees
  • Cash withdrawals: $0 from Till, ATM network fees may apply
  • Foreign transactions: 3% of USD converted amount, third-party fees may apply
  • Card replacement: $5
Overdraft or nonsufficient funds
$0
Wire transfers
N/A
Other fees
  • Paper statements: $0
  • Account closure: Fee may apply
  • Returned item: $0
  • Stop payment: $0
  • Debit card transfer: Up to 3%

Compare Till Financial to other kids’ debit cards

Narrow down top kids’ banking options by monthly fees and other features.

Product Finder Score Fee Age requirements Features Bonus offer
Finder score
$5.99 per month
Any age
  • Spend, save & invest
  • Chores & allowance tools
  • Spending controls & limits
  • Instantly send money to your child
  • Up to 5% savings rewards
Finder score
$5 per month
6 to 18 years old
  • Automate allowance & instantly send money to your child
  • Optional parent-paid savings interest
  • Spending controls & limits
  • $5/month after Finder exclusive free trial
Get 2 months free and $10 allowance when you sign up to Acorns Early with Finder's exclusive code: AFFUSFDR10.
Finder score
$0 per month
Any age
  • Automatic savings round-ups
  • $0 monthly fee
  • Spending limits and parent notifications
  • Instant transfers to your teen
    • Parent Current account required
Modak logo
Finder score
$0 per month
Any age
  • Kids complete challenges for cash-convertible rewards
  • Parent Portal to manage chores, allowance, and savings
  • Multiple funding options
FamZoo logo
Finder score
$5.99 per month
Any age
  • Parent-paid interest
  • No foreign fees
  • Real-time cash requests
One month free trial. After your one-month trial, plans start at just $5.99/month for the whole family. First 4 prepaid cards free.
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What is the Finder Score?

The Finder Score applies to 45+ kids' debit card options. It takes into account the card's fees, features, age requirements, ATM access and more — this gives you a simple score out of 10.

To provide a Score, we compare like-for-like debit cards. So if you're comparing the best kids' cards with no monthly fees, you can see how card stacks up against each other by features, opening deposits and other benefits.

Read the full Finder Score breakdown

How to open a Till debit card

You must be at least 18 years old to open an account on behalf of a minor. Open an account in five steps:

  • Download the Till app on a phone or tablet.
  • Create an account and verify your identity.
  • Invite kids and other family members, if desired.
  • Link an external bank account to fund Till.
  • Activate your child’s Till virtual debit card. Parents can also request a physical debit card for free.

Customer reviews and ratings

BBB accreditedNo
BBB ratingC
Trustpilot score2.3 out of 5 stars, based on 68 customer reviews
App Store Score4.7 out of 5 stars, based on 6,000 customer reviews
Google Play Score4.7 out of 5 stars, based on 1,380 customer reviews
Customer reviews verified as of07 May 2025

Till has decent customer reviews overall.

On the Better Business Bureau (BBB), it holds a mediocre C rating, which the bureau notes is the result of Till not responding to one customer complaint. That seems a little harsh, considering Till has only received two BBB complaints in the last three years.

Reviews on Trustpilot are split down the middle. Positive reviews often call out the lack of monthly fees, fast and professional customer service and the easy-to-use platform. Many reviews also mention they like Till because all their children can participate, regardless of age.

Among negative reviews, a few customers express frustration with resolving fraudulent charges since the customer service is hard to reach as Till doesn’t have a customer phone line. One of the most common complaints with Till is slow transfer times, with customers reporting ACH transfers taking three to five business days to go through.

On app stores, nearly all ratings are positive, and there are thousands. Most customers don’t leave a full written review, but the few that have mention the app is simple to use, like their working teens have a place to direct deposit wages and how it’s a great app to manage chores and allowances.

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★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

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Read the full methodology of how we rate checking accounts.

Your reviews

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Ask a question

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Bethany Finder

Banking editor

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