Frequently Asked Questions
Whether you're an adult, a kid, or one of our partners, we have answers to all of your questions.
Till offers two plans to fit your family's needs:
Till’s free plan: Our basic plan includes a free debit card for kids and core family banking features, like allowance, at no cost.
Till Premium: Our enhanced subscription plan includes additional features like 1% cash back,1 2% save rewards,2 early payday3, fee-free instant debit deposits,4 and priority support for $6.99/ month or $5.75/ month if billed annually.
Your Till debit card should arrive within 5-10 business days. Cards are sent out once you have funded your Till account.
What is Till?
Till Financial offers an FDIC-insured debit card and app for kids, teenagers, and their families in both free and Premium tiers. Till gives kids independence and freedom while offering control and transparency for parents. Kids can improve their financial literacy and learn by doing through features like savings goals, automated allowance, chores, cash back rewards1, and much more.
Till is a debit card that can be used anywhere Visa is accepted. Banking services are provided by Coastal Community Bank, Member FDIC. Till accounts are FDIC-insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC.
Till can be used anywhere Visa is accepted. The Till debit card can also be added to Apple and Google Wallets. Till cards can be used at an ATM to withdraw cash from a Till account. Till does not charge for this transaction, but ATM servicers may charge a fee for use.
There is no minimum age, Till Financial built its debit card and app for kids of all ages. What age should a child get a debit card? We leave that up families to decide.
Till does not check your credit at any point, your credit will not be impacted by opening a Till account.
Till is much more than a kids debit card, it’s a complete financial app designed to help kids learn by doing. Kids get the freedom to spend using their debit card and parents get to guide them through their financial journey. Parents can send money instantly to their kids’ Till debit card, freeze the card at any point, and will receive spending alerts and insights. Parents can also set up and manage automatic allowance payments, chores, and more. Premium subscribers get additional features like 1% cash back,1 2% save rewards,2 early payday3, fee-free instant debit deposits,4 and priority support.
Signing up for Till is short and simple - you need to download the app, create your account, and fund your Till account by linking either a bank account and/or debit card. Once you’re set up and your account is funded, Till will ship out the kids debit cards. Don’t forget to have your kids sign up for the app too, kids get the most out of Till when they have access to the app.
Although a kid’s experience will be enhanced by using the Till app, kids do not need access to the app to use Till or their debit card.
The Till app and debit card were designed specifically with safety and security in mind.
All Till accounts are insured up to $250,000 per depositor by our banking partner Coastal Community Bank, Member FDIC.
All Till cards are issued by Visa and protected by Visa’s Zero Liability policy.Parents also receive spending alerts and can instantly lock or replace a card at any time for any reason.
Freedom for kids, peace of mind for parents.
There are a number of ways kids can receive money on Till:
Quick Gives: parents can instantly send money to a kid's debit card at any time.
Allowance: Parents can set up and manage automated allowance payments to kids. Parents can pause or skip an allowance whenever they want.
Direct Deposit: Kids with jobs can set up direct deposit with their employer. Their account and routing numbers are available within the app.
Savings Goals Boosts: Parents can help kids reach their savings goals sooner by offering boosts - match each deposit kids make up to a certain percentage, set up a recurring deposit into a goal, or offer parent-paid monthly interest based on the balance of a goal at the end of each month.
Give Link: Parents and kids can share a link that allows anyone outside the family to send money to a kids’ Till debit card. Parents have the ability to turn this off and will receive alerts each time a kid receives a Give Link deposit.
Premium Rewards: Till Premium subscribers earn 2% on savings2 and 1% cash back1 on completed purchases (rewards are automatically added to kids’ accounts).
Yes! You can change your plan at any time.
To upgrade your free plan to Premium: Open the Till app, go to Account & Settings, and select "Till Premium" to start your subscription.
To downgrade to a free plan: Go to the Account tab, select "Till Premium," and follow the steps to cancel your subscription. You'll retain access to Premium features through the end of your billing period before returning to the free plan.
Till Premium ($6.99/ month or $5.75/ month paid annually) includes everything in our free plan plus:
- 2% save rewards on general savings and Save Goals2
- 1% cash back rewards on purchases1
- Priority customer support
- Fee-free instant debit deposits4
- Early payday3
Till Premium offers two ways for kids to earn:
Cash back: 1% cash back on settled spending transactions. Rewards are finalized at the end of each month and paid out on the 5th of the following month.1
Save Rewards: 2% annual return on all funds in kids' general savings and Save Goals. Rewards are finalized at the end of each month and paid out on the 5th of the following month.2
Note: Save rewards and cash back apply only to children's accounts, not parent/guardian accounts.
