HarborLight CU Earn & Learn

Unleash the power of financial literacy with our app, designed to transform kids and teens into savvy money managers! In a world where schools often fall short on financial education, our app steps in to make learning about saving†, spending, donating†, and investing* fun and accessible. Parents remain in the driver’s seat, approving transactions to ensure a safe and smart journey towards financial responsibility. Kids can make real-life money decisions right from their mobile devices, with parents providing a supportive safety net.

Chores and Allowance Tracker: Turn everyday tasks into opportunities for growth! Kids can earn their allowance by completing a variety of chores, with hundreds of options to choose from or even custom ones added by parents. Our chores and allowance tracker not only helps kids earn but also instills valuable character traits like accountability, dependability, time management, and teamwork. Set it up in minutes and enjoy the convenience of weekly payments or the ease of our auto-allowance† feature.

Teach Easy Investing*: Why wait to start investing? Every family account includes built-in investing, allowing kids to kickstart their financial future with commission-free trades starting at just $10. Securely invest together through our platform, backed by Apex Clearing Corporation, and watch your kids’ savings grow toward goals like college funds, first cars, and more. These essential skills will empower them to navigate adulthood with financial confidence.

Learn to Spend Wisely: Empower your kids with financial independence by enrolling up to 5 children on one account, each eligible for a HarborLight Credit Union branded BusyKid Visa® Prepaid Debit Card. These cards can be used online or in stores, with parents approving all funds and monitoring transactions through their dashboard’s activity feed.

BusyPay†: Say goodbye to the hassle of gift cards! BusyPay allows you to load money directly into a child account. Share a BusyPay QR code with friends and family to receive gifts for birthdays, holidays, or neighborhood jobs. Plus, use this exclusive feature to send money to others within our app.

Being Charitable: Foster a balanced financial lifestyle by encouraging generosity. Donate easily to local and national charities, helping kids understand the importance of giving beyond tax benefits.

Safety First: We prioritize security with the latest SSL encryption technology. Each app and card requires a unique PIN, and parents receive alerts for all transactions and card issues. Sensitive information is securely stored by partners who comply with all Payment Card Industry Data Security Standards, ensuring peace of mind for you and your family.

The HarborLight Credit Union Earn & Learn program is provided through BusyKid. Funds held in a child's HarborLight CU Earn & Learn app account are federally insured up to $250,000 by the NCUA, a U.S. Government agency. The BusyKid Visa® Prepaid Debit Card is issued by Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A., and this card is can be used everywhere Visa debit cards are accepted. To the extent funds are held by Pathward, they are eligible for FDIC pass-through insurance, subject to applicable terms and conditions. The card is serviced by Cliq®, the exclusive authorized servicer. BusyKid and Cliq are not banks or FDIC-insured institutions; FDIC insurance protects only against the failure of an FDIC-insured depository institution. See here for full terms and conditions, including the Visa Zero policy.

*BusyKid's provision of access to securities products and brokerage services are offered by Apex Fintech Brokerage Services and Apex Clearing. Apex Fintech Brokerage Services and Apex Clearing Corporation are both licensed and registered to conduct securities business in 53 U.S. states and territories. This feature is optional and not affiliated with Pathward nor Visa.

†Optional feature is a BusyKid product.