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Introducing Greenlight

Raising financially smart kids just got easier.

We’ve partnered with Greenlight to support you in teaching your kids about smart money management. The Greenlight service is a financial education app and debit card1 for kids and teens that allows parents to instantly send their kids money, set up chores and allowance, create savings goals, and more. Best of all, Greenlight is free for Heartland Credit Union members when you register using this unique link and add your Heartland Credit Union account as a funding source.

If you don’t have a checking account with Heartland Credit Union, you can open one online or stop by any of our branch locations.

Greenlight comes with:

  • Add up to 5 kids, each with their own debit card
  • Send money to a kid’s card instantly
  • Set parental controls on spending categories
  • Turn a child’s card on/off in one tap
  • Receive real-time notifications whenever a child makes a purchase
  • Assign chores and jobs to teach kids the value of hard work
  • Activate savings boosts like round-ups and parent-paid interest
  • Facilitate discussions about smart money habits with your kids

Get started in 4 easy steps:

    1. Register here.
    2. Enter your phone number and connect your HCU Checking Account.
    3. Download the Greenlight app.
    4. Begin teaching your kids healthy financial habits.
Get Started Today

Frequently Asked Questions

 How do I verify my funding source?

HCU Account: if you are prompted to verify your account when manually adding your funding source, you will receive 2 small deposits of $1.00 or less in your account within 1-2 business days. To verify your account as a funding source, you will need to input the 2 micro deposit amounts into your Greenlight app when prompted to verify.
If you do not see these deposits within 3 business days, please contact your HCU directly and have them take a look at the status of your account. Once you complete verification, the 2 micro deposits will be removed from your account to offset the deposit amounts.
Debit Card: Once you add your account as a funding source and make your initial funding load, you should see 2 transactions on your check card/debit card that add up to the initial load amount. You will need to confirm these transactions within 3 business days in the Greenlight app to verify your debit card.
If you do not see these transactions within 4 business days, please contact HCU directly and have them take a look at the status of your account.

 How do I activate my child's Greenlight card?

When your child’s card arrives, follow these simple steps to activate it right away:

  1. Open your Greenlight app. From your Parent Dashboard, you should see a notification prompting you to activate your child’s card.
  2. Tap on the notification and input the card’s expiration date in the app to activate it.
  3. Next, visit your child’s dashboard by clicking their square at the top of your Parent Dashboard.
  4. Select “Manage Card” then “Set debit card PIN.” After the PIN is set, your physical card is activated and ready to use!

 How can I check my child's spending history?

We have made it super easy to check your child's spending history.

1. Navigate to your child's dashboard.
2. Click on the Spending tile.
3. At the top right, click on "History."

You then have the ability to filter the view to see spending history for the last 30 days, 90 days, or 12 months as well as grouping transactions by stores.

 Is there a minimum age?

We support kids and grownups of all ages. No minimum (or maximum) age here. The Primary must
be at least 18 years old and a U.S. resident.

 Is there a fee or cost associated with the Greenlight App?

The monthly fee is $4.99 but this is waived for Heartland Credit Union members when they link their HCU account as the funding source for the Greenlight account.

Note:  Greenlight may charge other fees such as for ATM withdrawals, card customization, card replacement and other product upgrades that are not waived as part of the HCU member benefit.  Other third-party charges may apply. 

Members are encouraged to review all fees and terms related to the service at before enrolling.

 What if I am a member who is already a current Greenlight Customer?

Once existing Greenlight customers add their Heartland Credit Union account as a funding source, they can reach out to Greenlight customer service by calling (888) 483-2645 or texting (404) 974-3024 and request to be added to the Heartland Credit Union partnership program.

 Is this a debit or credit card?

Greenlight is a Mastercard debit card not a credit card. There is no extension of credit or effect on credit score.  The debit cardholder can only spend what has been transferred to them. 

 How long will it take for my card to arrive?

After completing registration or requesting a replacement card, your debit card will arrive within 7-10 business days. If you would like to expedite your shipping for your card to arrive within 2-3 business days, you can call our customer service team at 888-483-2645 within 12 hours of signing up. You can request to have your shipping expedited for a one-time fee of $24.99.

 Does Greenlight work with Apple Pay and Google Pay?

Yes, as soon as you sign up for Greenlight, the Greenlight debit card details can be added to Apple Pay or Google Pay* to tap and pay in an instant.

*Subject to Apple Pay and Google Pay age requirements. 

 How many Greenlight debit cards can I open?

Members may open up to 5 cards for their family members.

 What if I have a question about my Greenlight card, a debit card transaction or the app?

Any questions related to the Greenlight service or debit card can be directed to the Greenlight service center by calling 1-888-483-2645.

Text Greenlight Support: (404) 974-3024
Call Greenlight Support: (888) 483-2645
Email Greenlight Support: 

Greenlight Cardholder Agreement

*Heartland Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Heartland Credit Union account as the Greenlight funding source for the entirety of the promotion. Upgrades will result in additional fees. Plans start at $4.99/mo. Upon termination of promotion, members will be responsible for associated monthly fees. See terms at for details. Subject to minimum balance requirements and identity verification. Offer subject to change or renewal.

**Greenlight Select families can earn monthly rewards of 1% per annum on an average daily savings balance of up to $5,000 per family. To qualify, the Primary Account must be in Good Standing and have a verified ACH funding account. See Greenlight Terms of Service for Details. Subject to change at any time.

The Greenlight® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.