LedgerThe account
that treats your
teen like a founder
Real checking account. Their own debit card. Auto-categorized business expenses. Parental controls that don't feel like training wheels.
Available Balance
$0,000.00
Card
•••• 4291
ACTIVEShop Revenue — Last 30 Days
+$367.00$1,247
Avg. First Month Balance
94%
Teen Engagement Rate
2.3×
Savings vs. Peers
< 5min
Account Setup Time
The problem
"She found a bulk listing on eBay, the perfect restock. Handed me her cash. I bought it. She never quite felt like it was hers."
The fix
Their own card. Merchant-level control.
Jordan gets a real Ledger debit card — accepted anywhere. You set which merchant categories are enabled. Shipping supplies: on. Gaming stores: your call. No cash handoffs, no shared family card confusion.
< 2 min
To set merchant rules
•••• •••• •••• 4291
Jordan M.
VALID THRU 09/28
Merchant Controls
Their own card.
No more asking.
The problem
"Our shared card statement had 340 lines. I had no idea which charges were hers, which were mine, or where the $47 at Target went."
The fix
Every transaction. Both phones. Instantly.
The moment Jordan swipes at USPS, you both get a push notification with the merchant name, category, and amount. Weekly summaries land Sunday morning: spent, earned, saved — three numbers, no guesswork.
100%
Transaction visibility
Depop Sale
+$38.00 received from buyer
Ledger Alert
Jordan spent $7.40 at USPS
Week of Feb 17
Spent $52.71 · Earned $117.50
Both see it.
Zero surprises.
The problem
"She made $367 on Depop last month. Couldn't tell you her profit margin, her biggest expense, or how much she reinvested. Neither could she."
The fix
Revenue tracking that thinks like a founder.
Ledger auto-categorizes every merchant as revenue, cost-of-goods, or operating expense. Depop payouts land as income. USPS charges tag themselves as shipping costs. Sunday: net profit, automatically.
Auto
P&L categorization
Total Earned — Feb
$367.50
Business Expenses & Savings
Auto-categorized from merchant data · no manual entry
When money stops being
abstract.
Before Ledger, my daughter was handing me cash to buy her shipping labels. Now she tracks every USPS expense herself and knows her exact profit margin. She's 15.
Diane Okafor
Parent · Columbus, OH
$312
First month profit tracked
"I run a Depop shop and a print-on-demand store. Ledger auto-tags every Printful charge as cost-of-goods. I finally know what I'm actually making."
Marcus T.
Teen, 16 · Chicago, IL
3×
Faster tax prep for parents
"The weekly summary email is better than anything I get from my own brokerage. I see exactly what she spent, earned, and saved. No conversations needed."
Raj Mehta
Parent · Fremont, CA
Open their first
real account.
Takes 5 minutes. No credit check. No monthly fees. Cancel anytime — but they won't want to.
Merchant Controls
Block specific store categories
Daily Spend Limit
Max $50/day on non-essentials
Real-Time Alerts
Notify me every transaction
ATM Withdrawals
Allow cash withdrawals
Online Purchases
Allow e-commerce transactions
Weekly Summary
Email digest every Sunday
Weekly Category Limits
Changes take effect instantly · No app required for parent
What parents ask
Is this a real bank account?
Yes. Banking services provided by our FDIC-member partner. Your teen gets a real routing number, account number, and debit card.
Can I freeze the card instantly?
One tap in the parent app. Card freezes in under 2 seconds. Unfreezes just as fast.
What happens to the money if we close?
Full withdrawal to any linked account within 1–2 business days. No fees, no holdbacks.
Does my teen need their own phone?
Recommended, but not required. Parents can manage everything from the parent portal.
Security & Compliance
FDIC Insured
Up to $250,000
256-bit Encryption
Bank-grade security
COPPA Compliant
Built for under-18
State Licensed
All 50 states
The moment is now
Their financial life starts before they turn 18.
Every month they spend with a shared family card is a month they don't learn that money has a structure — and that they can master it.
Open Their First Real Account