FamZoo

“We used FamZoo (and recommended it to many others) for several years. It was a great experience for us, and it helped teach the kids about compounding interest and the value of saving. It made allowances easy and we didn’t have to actually create bank accounts for minors. We are very thankful they understand the value of saving.”
✉️ Ben G. via Email

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“Famzoo Prepaid Debit Card: Best overall. ”

~Business Insider, Best Debit Cards for Teens of July 2024

Best Debit Cards for Teens of July 2024 Explore the best debit cards designed for teens with safe spending, parental controls, and educational tools. Find a card that helps your child learn finances.

“Let me start by saying that the FamZoo program is awesome! Truly one of a kind. Over the years, my kids and I have benefited and learned so much by being able to share (or not share) finances and the ins and outs of banking and money management. That being said, my youngest just turned 18 and got a bank account of her own. It looks like we’ve come to the end of the road with FamZoo. I do have friends with young kids, and I plug FamZoo every chance I get. Again, thank you so so much for hosting an amazing program and being awesome to work with.”
✉️ Jimmy G. via Email.

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“All five of my children and I have really loved using FamZoo! It’s been great for ease of allowance giving, kids savings AND now that my oldest two have jobs, it was so easy for them to just have paychecks direct deposited into their account. And, not only a great product and service but the customer service response has been EXCELLENT, and I can’t tell you how hard that is to find these days. Very pleased.”
✉️ Gina F. via Email.

Send a message to learn more

The June 2024 FamZoo monthly newsletter is out! Featuring: how to use an IOU account to track repayment of an allowance advance; community highlights; a borrowing hack; and shout-outs for Brian, David, and Jeffrey.

Should Junior Get An Advance? 🤔

Trying to figure out your chore system? Chores vs Allowance? Do's and Don'ts. Why bother anyway? Age appropriate suggestions. Lots of ideas here from ModernHusbands

Chores for Kids: The Ultimate Guide to Age-Appropriate Chores Table of ContentsWhy to Involve Your Kids to Build Life SkillsDon’t Do ThisSystems to Manage Your Kids’ ChoresChores for 3 Year OldsChores for 4 Year OldsChores for 6 Year OldsChores for 7 Year OldsChores for 8 Year OldsChores for 11 Year OldsChores for TeenagersWhy to Involve Your Kids to Build...

3 critical things you and your family members need to know before calling in about your cards.

Three Things Cardholders Need to Know Before Calling In 3 critical things you and your family members need to know before calling in about your FamZoo cards.

“Best for teaching kids about money: FamZoo Prepaid Card. It offers a unique approach to teaching kids about money management. It comes with features like robust parental controls and other customizable features.”

The 9 best prepaid debit cards for 2024 Prepaid debit cards work like traditional debit cards, but your spending is limited to the amount you load on the card, making them a great tool for budgeting.

Curious about how you can set your kids and teens on the path to financial responsibility with FamZoo cards? Start here with our Money Management 101 Getting Started Guide.

FamZoo Money Management 101: Start Here With Kids and Teens A Getting Started primer for parents with kids and teens who just received their first FamZoo cards.

As parents, it’s hard to remember what it was like to make that first debit card purchase way back when. What’s routine for us seasoned veterans can be a complete mystery to the uninitiated. There are actually quite a few numbers on (and off) the card that your child must understand to transact successfully and safely.
What are those critical numbers? When do you need them? Where do you find them? How do you take care of them?
Here’s a handy list. Take a moment to quiz your kid (and yourself).

1. Card Number — the 16 digits printed on the face of the card in four blocks of four digits. This is the number used when making purchases online or in a store. Somewhat confusingly, your prepaid debit card can be run as either a CREDIT or a DEBIT transaction. In both cases, the card ultimately behaves like a prepaid debit card — meaning, ignoring some very unusual exceptions, you can’t spend more than the amount loaded on the card.
You must keep your card number safe. Only share the full number with a legitimate merchant by dipping or swiping the card at a point of sale device, typing it into a secure form, or — in rare cases — reciting it verbally. You may also key it into the card issuer’s automated phone system when getting help. Otherwise, do not share your card number with anyone. It’s OK to indicate the last 4 digits when communicating with us, but never put your full card number in an email. Never share a picture of your card on social media (front or back). Keep your card in a safe place — out of sight from any prying eyes. For security purposes, FamZoo doesn’t even know your full card number — just the last 4 digits.
If you lose your card or think your card number might have fallen into the wrong hands, lock the card and contact the issuer right away to order a replacement with a new number.

2. Security Code — the three digit number printed on the back of the card near the right edge of the signature panel. You may also hear the security code referred to by various acronyms like CSC, CVC, CVV, or CVV2. You’ll often need to enter the security code when making purchases online to help prove you are in possession of the physical card.
Keep your security code safe — just like your card number.
FamZoo does not have access to your security code.

3. PIN — a secret four digit code of your choosing that you’ll need to memorize. You’ll enter it at ATMs, at the register when making DEBIT transactions (although some stores do not require PIN entry for smaller purchases), or when calling our card processor’s automated phone system.
New cards come with a default PIN setting. Change the default PIN to a more secure value right away. Don’t pick a value easily discovered by others — like consecutive or repeated digits, your birth year or birth month/year combo, the last 4 of your phone, etc.
FamZoo does not have access to your PIN.

4. Expiration Date — the month and year printed on the face of the card just beneath the card number. You’ll often need to enter the expiration date when making purchases online. Our cards expire at the end of the expiration month. If you’re actively using your FamZoo card or it has a balance just prior to the expiration date, you’ll automatically receive a renewal card with a new expiration date.

5. Street Address and Zip Code — components of the address on file with our card processor. For FamZoo cards, you’ll find the current address on your Card Information screen. You may need to enter your full address or just your zip code when making purchases online. Or, you may need to enter your zip code when making purchases in person through a point of sale device like a gas pump. In these cases, the merchant will send the street number and/or the zip code to our card processor for address verification. If any numbers sent do not match what’s on file, our card processor will decline the transaction.

6. Balance — the amount of money currently available to spend on your card. In FamZoo, you’ll find your balance on the Accounts screen. You’ll need to know your balance before making any purchase to avoid declines for insufficient funds.

7. Routing and account numbers — for FamZoo cards, the 9 and 16 digit numbers listed on your Card Information screen. The 9 digit routing number identifies our bank. The account number — which is not the same as your card number — identifies the account that holds your card’s funds. Use these numbers to set up reload via direct deposit from an employer or government agency as well as ACH transfers from a bank or digital wallet.

8. 800 Number — the 24x7 toll free phone number of the card issuer listed on the back of the card. Call it if you’re having urgent trouble with your card. In the case of FamZoo cards, you’ll be prompted by the automated phone system to enter your card number and PIN before getting to the help menu or getting live support.

9. SSN — the 9 digit social security number of the legal cardholder that’s stored securely by the card issuer. If you call the 800 number, you may be asked for the last 4 digits of your SSN to prove your identity.
FamZoo does not know or store your SSN.

10. Admin Number — For FamZoo cards, the 8 or 9 digit number printed on the back of your card in the lower, right corner. The Admin Number is a safe way to uniquely identify your FamZoo card when communicating with FamZoo or our card processor. So, you can include it in customer service emails without compromising your card.

11. ATC Counter — Nerd alert! 🤓 An Application Transaction Counter stored in the EMV chip on your card that helps fight fraud when making purchases. Sometimes, the counter can get a little out of whack and needs to be reset. Contact us if you see a decline reason that mentions the chip’s counter.

Pheww! That’s a lot of numbers for one little card.

“Best for Financial Education: FamZoo Prepaid Debit Card. FamZoo has a kid-friendly mobile app, prepaid debit card, and a wide range of educational features, such as chore lists, purpose-driven accounts, savings goals, instant transfers, real-time alerts, and more... FamZoo offers some unique abilities to help kids learn about real-world finances, including a loan repayment tracker and ‘chore fail’ chart.”

Best Debit Cards for Kids and Teens for April 2024 Compare the best debit cards for kids. We reviewed cards based on fees, availability, rewards, ATM access, and more. Our expert picks include Greenlight, Axos, and Busykid.

“FamZoo has been a very valuable product for our family. We have had a membership since our daughter was very young and she just turned 18 last week. She has excellent money management skills, she is good at saving and she understands the value of a dollar. Our other two children have also grown up using FamZoo and are following in our eldest’s footsteps. We are very grateful to you for creating this tool for parents to teach their children, in a real way, how money works in their lives. We no longer have a need as we are taking off the training wheels, which is why we are canceling, but FamZoo has done more than its job helping to raise wise money managers. Thank you for the assist!”
🎓 Julie W. via FamZoo graduation form.

“Hey dad, the bank just texted me. What’s my account number, PIN, and security code again?”

Uh oh. Your kid is about to swallow a phishing attempt hook, line, and sinker.

Make sure your kid knows that any email, text message, direct message, or phone call asking for sensitive information is most likely fraud. Do not click. Do not call. Do not respond.

If the message is from an unknown source, has odd grammar or spelling, or makes a ridiculous offer from a Nigerian prince, coach your kid to just delete it.

Unfortunately, advanced AI technologies are making phishing attempts more and more sophisticated and difficult to detect.

Even if the communication appears legitimate, coach your kids to look up the contact information for the institution separately. Look on the back of the card. Look at a recent account statement. Google the name. Type in its known URL explicitly. Then, contact the institution directly to see if there is a valid issue.

When it comes to communicating about sensitive information, make sure your kids are the ones casting the line, not the ones taking the bait.

The “Family 401(k)” is my all-time favorite family finance hack for parents seeking to help teens grow their wealth and investing IQ over decades. I’ve written and talked about the technique many times since 2011, and I’ve put it into practice with all 5 of my kids.

The Family 401(k) is a homespun version of the workplace 401(k) program commonly offered to employees. With a workplace 401(k), an employer kicks in extra money to help the employee build wealth in a tax-advantaged company sponsored retirement account. With a Family 401(k), parents kick in extra money to help their child grow wealth in a tax-advantaged individual retirement account known as a Roth IRA.

For the uninitiated, the quick recipe for the Family 401(k) is:

1. Set up a Roth IRA for your teen as soon as they earn their first W-2 paycheck for a summer or part-time job.

2. Offer matching and/or gifting incentives to maximize your teen’s eligible Roth IRA contribution for the year. To ease the parental financial burden of a match or gift, see if grandparents, aunts, or uncles are willing to pitch in too — perhaps in lieu of a more typical birthday, graduation, or holiday gift.

3. Invest the contribution. Put the contributed dollars to work. I favor parking them in low cost, diversified index funds like VTI for the long haul, but consult your investment adviser before making your own decision.

4. Rinse and repeat every year your child meets the eligibility requirements (even into the young adult years if possible), adjusting matching or gifting levels as appropriate for your family’s situation.

Here’s why I love the Family 401(k) arrangement so much:

1. It requires work. No paycheck, no participation.

2. It forces a long term investing mindset. Early qualified distribution rules aside, the money is essentially locked up until age 59 and a half. Or, as a teen would say, “forever”.
It’s tax efficient. As per Roth IRA rules, investment earnings grow tax free and qualified withdrawals incur no tax on the way out.

3. It can be truly life changing. If you start early, invest wisely, and follow through each year, your teen will be sitting on a sizable nest egg decades later. Your teen will also accumulate considerable investing experience and wisdom which will undoubtedly pay dividends elsewhere.

That’s all likely a review for longtime FamZoo readers, but here’s one new Family 401(k) tidbit I haven’t shared to date: how to track and share Roth IRA progress with your teen in a way that motivates continued participation and appreciation.

I built a simple spreadsheet for each child’s Roth IRA that tracks contributions and earnings for prior years and (crudely) projects the potential trajectory into the future. As part of my annual tax time ritual, I update the spreadsheets and review them with the children just before we make any allowable contributions for the year. The simple updates take just a few minutes and the conversations are on the order of 30 minutes. No big deal.

The tracking spreadsheet includes a simple trend chart to anchor the annual conversation:

* A stacked bar is shown for each year from inception through the year the child will turn 60.

* The blue base of each bar shows the total cumulative contributions made to date.

* The upper dark green portion of each bar shows the total investment gains earned to date.

* Bars for future years are rough estimated projections based on expected contributions and projected investment returns (light green).

I have attached a screenshot of what the trend chart looks like for my oldest (I have clipped the left axis with the dollar amounts for privacy, but it’s on track for a significant nest egg at 60):

To get started with the tracking sheet, you’ll fill in three parameters: the Roth IRA start year, your teen’s starting age, and the expected annualized return of your selected investment portfolio.

Each year, you’ll fill in just two numbers for the previous calendar year: the Roth IRA contribution you made that calendar year and the year-end balance for the Roth IRA account.

After updating the spreadsheet, sit down with your child and review:

* The contribution and ending balance entries for last year. Show your child where you located those values within the Roth IRA account’s statements or its online history.

* This year’s contribution. Discuss the eligible contribution you’ll be making for this year and its source — some mix of family matching funds, family gifts, or teen contribution depending on your arrangement.

* The current trend. How have actual investment gains (dark green portion of bars) fluctuated with market conditions? For example, note the dip in 2022 followed by the rebound in 2023 for my child’s chart above. Markets are not always up and to the right — especially in the short run! How are things looking for your child’s 60th birthday? The message: long term, uninterrupted compounding is extremely powerful.

* Expected annual return. Does the parameter value you’re using for your projections still seem reasonable? For example, according to ChatGPT, the Vanguard Total Stock Market ETF (VTI) has had an annualized return of 8.1% since its inception in 2001. Is that a reasonable figure to expect going forward? How does increasing or decreasing the assumed annualized return parameter affect the final projected value? Should you change any of your investment choices?

* Current Roth IRA rules. Are the participation rules or contribution limits changing? Are there any new rules regarding qualified distributions that might make an early withdrawal attractive? (A confession: I always just tell my kids they can’t access the money until they’re 59 and a half — a minor falsehood, but delivered with the best of intentions. 😉)

The tracking may sound a bit daunting at first, but with my ready-made template it’s easy-peasy. Just 3 numbers up front, 2 numbers each year, and 1 annual discussion and you’ll generate countless benefits for life.

👉 To get your own copy of my Roth IRA Tracker Google Sheet, click here:
https://docs.google.com/spreadsheets/d/1ykAjv44RXIG7_AE6Wl5utOsZgICrgrq0tKBBhIe9EJ4/copy?usp=sharing

The March 2024 FamZoo monthly newsletter is out! Featuring: a free spreadsheet template for tracking your Family 401(k); bonus tips for preparing teens for checking accounts, taking budget baby steps, and choosing the right spend-save-give allocations; parent community highlights; a Mungerism on compounding; and shout-outs for Firelands FCU, NGPF, and Jennifer.
https://mailchi.mp/famzoo/newsmar2024

Your kids deserve the best financial education. Your family deserves the best service. We've been serving families since 2013. Order cards online at FamZoo.com.

Prepaid debit cards for kids, teens, families | FamZoo - SECURE FamZoo provides prepaid cards and a financial education for kids and teens. All in one award-winning app. Try it free.

There will be obvious signs your teen wasn’t ready for a checking account.

* The $35 overdraft fee.

* The bounced check.

* The $10 monthly service fee for dipping below the minimum balance.

Jumping from a piggy bank to a checking account is like jumping from a tricycle to a motorcycle.

How do you know when your teen is ready for checking? What’s a good interim proving ground?

A low cost reloadable prepaid card can be a great set of financial training wheels. Choose one with robust parental oversight capabilities, no fees on declined transactions, and no other hidden service charges.

Then, challenge your teen to pass the "No Decline Challenge": go for six or more months making regular purchases without a single transaction being declined for insufficient funds. A sterling record will prove your teen knows how to monitor and manage an account balance effectively.

To make it challenging, consider having at least one recurring subscription that hits the card at regular intervals. That will force some advanced planning to make sure enough funds are in place each time the charge hits.

If your teen gets tripped up by a decline, reset the challenge clock.

If you decide to stick with the prepaid card through the teen years, you can turn the "No Decline Challenge" into a regular "No Decline Bonus". Credit the card with a few bucks every time 30 days elapses with no declines.

Either way, your teen will be ready to ditch the prepaid training wheels and graduate to checking when the right time comes.

“FamZoo teaches financial proficiency among kids and teens by simulating a real-world banking experience within a safe, controlled family environment. A key benefit of FamZoo is its ability to offer prepaid cards for each family member, allowing parents to teach their children about spending, saving, and giving in a practical, hands-on manner.”

The Best Money Apps for Kids and Teens in 2024 - Doughroller It's never too early to build positive financial habits. The best money apps for kids and teens include savings, investing and allowance trackers.

FamZoo prepares kids and teens for the financial jungle. Serving families since 2013.

Prepaid debit cards for kids, teens, families | FamZoo - SECURE FamZoo provides prepaid cards and a financial education for kids and teens. All in one award-winning app. Try it free.

Your kids deserve the best financial education. Your family deserves the best service.

Prepaid debit cards for kids, teens, families | FamZoo - SECURE FamZoo provides prepaid cards and a financial education for kids and teens. All in one award-winning app. Try it free.

The February 2024 FamZoo monthly newsletter is out! Featuring: 6 reasons to review 529 statements with your teen; tips for deciphering unknown charges, addressing allowance comparisons, and adopting micro-saving habits; parent community highlights; a mighty little quote; and shout-outs for Kohler CU, Phyl, and Seth. See: https://mailchi.mp/famzoo/newsfeb2024

Parents: Can your favorite AI chatbot help solve the mystery behind some of the purchases you're wondering about on your teen's prepaid cards?

Quite possibly.

Try the following prompt:

What is the company behind the following merchant description on my credit card statement: ""

For example, here's what ChatGPT 4 says about "BEENVERIFIED", which often pops up in transaction histories for older teens:

"The merchant description "BEENVERIFIED" on your credit card statement refers to BeenVerified, a company that provides background check services. BeenVerified allows users to search for people, phone numbers, email addresses, and property records, offering access to public record information. This service is often used for online dating, finding long lost friends or family members, and checking one's own records. The charge on your statement would indicate a subscription or a one-time use fee for accessing their services."

That's pretty helpful.

Learning to budget doesn't have to be boring or tedious for kids.

In fact, here's one of the simplest, most practical budgeting tools you can teach your kids in a single outing.

It's…

The Shopping List.

Just making a list before hitting the stores is a surprisingly effective way to keep spending in check. It reduces the chances of:

1. Buying duplicate items - since you've taken stock of your home inventory before venturing out.

2. Succumbing to extra impulse purchases - since you have a clear plan in hand to keep you focused in the store.

3. Overbuying - since you've read the recipe or otherwise mapped out your size or quantity needs.

4. Overpaying - since you've done a little research ahead of time and identified bulk purchase opportunities, discounts, sales, or relevant coupons.

So, the next time you put together your grocery list, let your kid participate. Make it a game. See if they can help you hit all 4 points above.

List making is a good baby step towards budgeting.

“Best for family money management: FamZoo Prepaid Card. With its customizable controls and educational focus, FamZoo is an excellent tool for parents seeking to instill sound financial habits in their children from an early age.”

We ranked the best prepaid debit cards available in 2024 These prepaid cards come with low fees and plenty of added perks.

It’s inevitable, parents. Someday your kid is going to lament that “other parents” pay their kids way more money for way less work. The bottom line: you’re offering the worst allowance deal in the neighborhood, and you need to step up!

Actually, that’s when it’s time to sit down and explain the “Mayberry Money Rules.”

Watch this classic 2 minute Mayberry R.F.D. clip. Opie tries to explain the “75 Cent Rule” to his dad, Andy. Opie wants 75 cents a week in allowance for doing nothing because that’s what “they” get. Andy isn’t buying:
https://www.youtube.com/watch?v=MPMbo-WyiEM

Key excerpt:

Andy: You want it straight don’t you?

Opie: Uh huh.

Andy: There are no rules for pas and sons. Each mother or father raises his boy or girl the way that he thinks is best. And I think it’s best for you to get a quarter and work for it. When you give something — in this case cleaning the garage — then you get something — in this case a quarter. That’s the greatest feeling in the world. You do feel good after working don’t you?

Opie: Uh huh. Good and tired.

Andy: As you get bigger, you'll be doing more and more work for more and more return, and that good feeling will get bigger. You understand what I mean?

Opie: I think so. I'm not going to get the 75 cents.

Andy: Right.

Opie: And I have to work for the 25.

Andy: Right. All clear to you?

Opie: Yeah. The bigger you get the tired-er you get.

Love that.

You’re the sheriff when it comes to money rules in your family. Whatever they are, take the time to thoughtfully explain them to your kid. And, by all means, stick to your guns.

Andy Griffith Show - Opie's Allowance Andy and Opie discuss a raise in Opie's allowance. Very Funny!

Is ChatGPT 4 capable of giving good advice to parents when it comes to teaching kids about money?

Let's try a simple prompt and see what you think of ChatGPT's answer.

Prompt: Should parents give kids an allowance?

ChatGPT4 Response:

The decision to give kids an allowance is a personal one that varies from family to family, and it can depend on several factors including parental values, financial circumstances, and the goals they wish to achieve by providing an allowance. Here are some considerations for and against giving kids an allowance:

# # # Arguments for Giving an Allowance

1. **Financial Literacy**: An allowance can be a powerful tool for teaching children about money management, budgeting, and the value of money. It provides a practical, hands-on experience that can prepare them for financial independence.

2. **Responsibility**: Receiving an allowance can teach children responsibility as they learn to make choices about how to spend, save, and perhaps donate their money.

3. **Incentivizing Behavior**: Some parents use allowances as a way to incentivize good behavior, academic performance, or the completion of chores. It can teach children the relationship between work and earning money.

4. **Decision Making**: Managing an allowance helps children learn to make decisions about their finances, weighing wants versus needs, and planning for larger purchases.

# # # Arguments Against Giving an Allowance

1. **Entitlement**: There's a concern that receiving regular money without any expectations might lead to a sense of entitlement. Some argue that kids should contribute to the household without expecting payment, as part of being a family member.

2. **Missed Learning Opportunities**: If not structured properly, allowances can miss the opportunity to teach kids about the real value of money and hard work. Simply giving money without any guidance or expectations might not instill the intended financial lessons.

3. **Financial Constraints**: Not all families can afford to give their children an allowance, and this should not be seen as a failure. There are many other ways to teach kids about money and responsibility.

# # # Best Practices for Giving an Allowance

- **Consistency**: Decide on how much and how often the allowance will be given and stick to it.
- **Teach**: Use the allowance as a teaching tool. Encourage kids to divide their money into categories like spending, saving, and giving.
- **Earned vs. Unconditional**: Some families choose to link allowance to chores to teach work ethic, while others give an unconditional allowance to separate the concepts of household responsibilities from financial learning.
- **Open Discussion**: Talk openly about money, budgeting, and financial goals with your children.

Ultimately, whether or not to give an allowance depends on what you believe will be most beneficial for your child's understanding of money and responsibility. It's also important to consider what financial habits and attitudes you wish to cultivate in your children and choose the approach that best aligns with those goals.

Why do families choose FamZoo's prepaid cards?

1. FamZoo puts education first.

FamZoo's youth financial literacy mission comes first. FamZoo invented the first educational prepaid card product. FamZoo pioneered unique features like parent-paid compound interest, child loan tracking, reimbursement requests, family billing, and much more.

FamZoo has more educational features than any other prepaid card product. It is the family FinLit card.

If you want your child to learn money habits that match your values, FamZoo is the right choice.

2. FamZoo is secure by design.

FamZoo never asks for and never stores your private bank account or debit card information for reloading purposes. Instead, you always send funds to your FamZoo card accounts from the security of your private online banking or digital wallet service.

That way, nobody — not a fraudster, not even a clever kid — can ever drain your main bank account using FamZoo. Just. Not. Possible.

Also, any funds held in FamZoo are FDIC insured and secured by MasterCard®’s Zero Liability policy for unauthorized purchases.

3. FamZoo delivers expert customer service, every time.

Whenever you contact FamZoo, you get an expert who knows the product inside and out, understands the challenges of parenting first hand, and is empowered to solve your problem.

No robots. No third-party call center.

We do not outsource, short staff, or undervalue customer service.

4. FamZoo has been trusted by families since 2013.

FamZoo has been delivering cards to families since 2013, longer than any other company in the family prepaid card market.

We are privately held, self funded, and self-sustaining. That means no venture capitalist or stock market is going to force us to prioritize growth over service and education.

We never market to kids or teens — just parents. In fact, we rarely advertise at all. Instead, we rely on recommendations from existing families. Visit our home page to browse over 650 reviews.

Our “growth hack” is treating all families with respect and kindness.

5. FamZoo does not require a bank account or a fancy phone.

No bank account? No problem. FamZoo serves all families, not just families with bank accounts. You can reload FamZoo cards with cash at a participating retailer or via direct deposit from a government agency.

Your youngster doesn’t need a smartphone to use FamZoo. Yes, of course we have mobile apps for iPhone and Android. But, family members can also access FamZoo from any device — desktop, laptop, or mobile — using any modern browser. You can even access FamZoo via text message.

6. FamZoo is affordable for all.

FamZoo's subscription fee is per family. Period. There are no limits on family members or cards. So, the bigger the family, the better the deal.

And families of all sizes benefit from our deeply discounted pay-in-advance plans. Compare and save.

7. FamZoo has your family's back.

Running short of funds when payments are due to other family members? We’ve got your back.

Our unique card IOU system automatically tracks any shortfalls in allowance, parent-paid-interest, or other family payments and repays the IOUs as soon as you’re able to add enough funds.

We keep up with missed payments, so you never let your kids down (and vice-versa).

Prepaid debit cards for kids, teens, families | FamZoo - SECURE FamZoo provides prepaid cards and a financial education for kids and teens. All in one award-winning app. Try it free.