Kids Debit Card

Greenlight: Your Kid's First Debit Card, Free^{footnote *} with Your Commerce Account.

Teaching your kids about money doesn’t have to be complicated. Commerce Bank and Greenlight have teamed up to make it a benefit of an account you already have.

Greenlight offers a debit card for kids and a family money app designed to help families manage and learn about money together, with no monthly fee^{footnote *} when you connect to your Commerce checking account.

Get Greenlight

Included with your eligible Commerce Bank checking account. Commerce Bank, Member FDIC.

Kids Debit Card

Greenlight: Your Kid's First Debit Card, Free^{footnote *} with Your Commerce Account.

Teaching your kids about money doesn’t have to be complicated. Commerce Bank and Greenlight have teamed up to make it a benefit of an account you already have.

Get Greenlight

Included with your eligible Commerce Bank checking account. Commerce Bank, Member FDIC.

Help Build Their Financial Confidence Early with Greenlight

Raising kids is an adventure. Teaching them about money? That's a level where most of us could use a co-pilot. For many families, that journey begins around ages 9 to 12 when kids are ready to earn an allowance, make spending decisions and start understanding the value of money. Greenlight gives your kids hands-on experience while you stay involved and set boundaries that will help build their future financial habits.

Free^{footnote *} Greenlight Subscription for Commerce Customers

Your Greenlight subscription includes:

Debit cards for up to five kids on one account
The Greenlight app for parents and kids
Automated allowance payments and chore tracking
Savings goals with parent-paid interest
Real-time transaction alerts
Greenlight Level Up™, a game-based financial literacy curriculum

Get Greenlight

How the Subscription Works

Greenlight plans normally start at $5.99 per month (a $69 annual value). Any Commerce customer with an eligible checking account can register through our link, connect their account as the preferred funding source and the monthly service fee is waived for as long as it stays connected.^{footnote *} There is a minimum initial load amount^{footnote ^} and no annual fees.

Step 1: Start with the Account You Already Have

Your eligible Commerce checking account is your ticket. No new account, no paperwork. If not yet a customer, you can open an account online in minutes.

Find options online

Step 2: Register and Connect

Sign up through the Commerce link on this page, then link your Commerce checking account as the preferred funding source connect to your Greenlight account. That's what makes you eligible for the subscription fee waiver.

Step 3: Download the App, Kids Get Started

Physical cards arrive within 7–10 business days with free standard shipping. You and your child each download the Greenlight app — you'll each get your own view. Set your parental controls, load their first allowance^{footnote ^}, and you’re all set.

Already Have Greenlight?

Switch your preferred funding source to your Commerce checking account, then contact Greenlight Support at (888) 483-2645 to be added to the Commerce Bank program. Your monthly fee goes away, and nothing else changes.

What Your Family Gets with Greenlight

With a Greenlight account, kids learn to earn, save and spend wisely with flexible parental controls. Here's what that looks like at a quick glance.

What Kids Get

Their own debit card
Notifications when new money is added
Automated chores and allowance in the Greenlight App
Creating savings goals
Greenlight Level Up™

What Parents Get

Debit cards for up to 5 kids
Setting spending limits, automated chores and allowance
Capping ATM withdrawals
Approving or blocking specific merchants
Ability to turn the card off

Key Features Parents and Kids Both Love

Their Own Debit Card

Each child gets their own debit card, up to 5 children per household. It works anywhere Mastercard is accepted, and your kids can only spend what you’ve loaded on their card.

Parental Controls That Actually Control

Parents can set spending limits by category, approve or block merchants, cap ATM withdrawals and turn the card off in one tap. It’s the freedom kids want and the guardrails you need in real-time.

Allowance and Chores on Autopilot

Never forget allowance day ever again. You can schedule it once and it lands on their card automatically. Also, you can tie payouts to chore completions, so the trash actually goes out.

Savings Goals Kids Can Watch Grow

Kids can set a savings goal in the app and get closer to that new phone or must-have item. Greenlight Select families earn the 2% Greenlight Savings Reward on an average daily savings balance, up to $5,000 per family.

Financial Literacy, Built In

With Greenlight Level Up™, kids learn important financial basics with interactive games and videos. It looks like they are just playing games, but the tool actually helps them build lifelong money habits.

Safety and Security Parents Need

Funds are FDIC-insured up to $250,000 through Greenlight’s partner bank, the card carries Mastercard Zero Liability Protection and unsafe spending categories are automatically blocked.

Unsafe spending categories automatically include spending at locations where minor spending is restricted, such as casinos.

The Right Account at Every Age

As your child builds financial confidence, you should be at a bank that is built for every experience. From elementary school to the world beyond, Commerce will grow with your family each year. Plenty of families have different accounts at once — Greenlight for a younger sibling, teen checking for the one with a job.

Here's the path your family can follow:

Ages [Under 13]: Greenlight^® debit card (free^{footnote *} with qualifying accounts) — Chore and allowance automation, category-level spending controls and financial literacy games. An early introduction before a real bank account.
Ages [13–17]: Teen Checking — A joint checking account for teens and parents: their own debit card, direct deposit, mobile check deposit and the mobile banking tools they'll use for life.
18+: Commerce FREE Checking — A seamless step into adult banking, with the account history and habits already in place.

Frequently Asked Questions

What is the best debit card for a kid?

The best debit card for a kid should pair strong parental controls (spending limits, real-time alerts, instant card lock) with genuine money lessons: chores, savings goals, and financial literacy tools. Greenlight checks every box, which is why Commerce Bank and Greenlight have teamed up. For Commerce customers, it's also free^{footnote *}, which puts it ahead of nearly every alternative on cost alone.

Is there a free debit card for kids?

Yes. Most kids' debit cards charge a monthly service fee, but Commerce customers get fees associated with Greenlight waived when they connect an eligible Commerce checking account as the preferred funding source, covering debit cards for up to five kids under one account.

Are there additional fees associated with a kid’s debit card?

$0 monthly fee^{footnote *} for Commerce customers with a connected preferred funding source. No monthly maintenance fee^{footnote *} minimum initial loading and reloading.^{footnote ^}

What age can a kid get a debit card?

When debit cards are funded and controlled by a parent, there are no minimum ages for debit cards, since issuance is tied to the account owner who is over the age of 18. Most families find the sweet spot for a first debit card is ages 9 to 12. Kids in this age range are old enough for an allowance, chores and real spending decisions Greenlight gives you the ability to control each limit. For younger kids, start tight with low limits and loosen as they grow.

How does a debit card for kids work?

The Greenlight card is a prepaid card attached to a parent-managed app, not a bank account in the child's name. You load money from your own checking account, set the controls and see every transaction in real time. Kids can only spend what's loaded, so there's no debt risk and no overdraft fees. Funds on the Greenlight card are FDIC-insured through its issuing bank, Community Federal Savings Bank, Member FDIC, and Greenlight itself is a financial technology company, not a bank.

Does a Greenlight debit card have any ATM or travel fees?

Greenlight doesn't charge ATM fees, though ATM operators may add their own surcharges; you can restrict your child’s ATM access entirely from the app. The card declines when the balance runs out, so overdraft fees can't happen. Additionally, it works internationally in most countries with no foreign transaction fees.

When is a kid ready for a real checking account?

Usually the early teen years, once they've built habits with a card like Greenlight and are earning their own money. That's the moment to step up to a Commerce Teen Checking account - a true joint bank account with their own debit card, direct deposit for first jobs and mobile check deposit.

Help them learn to earn, save and spend with confidence while staying in control every step of the way.

Get Greenlight link opens in a new window

Disclosures:

*Commerce Bank customers are eligible for the Greenlight Select Plan at no cost when they connect their Commerce Bank account as the Greenlight funding source for the entirety of Commerce's relationship with Greenlight. Customers may also choose to upgrade to one of Greenlight's Partner premium plans: Infinity Select or Family Shield Select. Upgrades will result in additional fees. Commerce Bank customers will receive a $5.99 monthly discount on Greenlight premium plans when they connect an eligible account as their Greenlight funding source. In the event Commerce ends its relationship with Greenlight, members will be responsible for all associated Greenlight monthly fees. Offer ends 8/09/2029. Offer, pricing, and Commerce Bank participation subject to change. Subject to minimum funding requirements of $1.00^{footnote ^} and identity verification. Terms and conditions apply. See Commerce Bank and Greenlight terms at https://greenlight.com/promotionsgeneralterms link opens in a new window for full details. Price reflected includes monthly Commerce discount.

^Unless otherwise provided by Community Federal Savings Bank (the “Issuer” of the Greenlight debit card) and/or Greenlight from time to time, the minimum amount of an initial value load and a reload are variable (between $1 and $20) and the applicable minimum amount will be established and displayed for each customer either on the initial registration screens or the reload screens in the Application. The minimum initial value load and minimum reload amounts can be waived by the card issuing bank or Greenlight at any time.

The Greenlight® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Greenlight Select families can earn monthly rewards of 2% per annum on an average daily savings balance of up to $5,000 per family.

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Kids Debit Card

Greenlight: Your Kid's First Debit Card, Free^{footnote *} with Your Commerce Account.

Kids Debit Card

Greenlight: Your Kid's First Debit Card, Free^{footnote *} with Your Commerce Account.

Help Build Their Financial Confidence Early with Greenlight