Finley

The kids banking app that builds smart money habits.

Real money experience

No monthly fee

Learning that grows with them

Real banking. Real money. Real financial education.

Finley by Michigan First Credit Union gives kids and teens ages 6–17 a safe place to earn, save, spend, and learn while parents stay in control every step of the way.

Whether your child is receiving their first allowance or preparing for their first paycheck, Finley helps build confidence through real-world experience: not pretend games.

Open a Finley account today to get started.

Safe banking for kids

Finley is designed with families in mind.

Children can safely practice managing money while parents retain oversight through built-in controls and account management tools. Every account is backed by Michigan First Credit Union, giving families the confidence of banking with a trusted financial institution.

Learn by doing

Research consistently shows that financial habits begin developing at an early age. Finley gives children opportunities to make small money decisions today so they're prepared for bigger financial decisions tomorrow.

Instead of memorizing financial concepts, kids build experience using real banking tools in a safe, parent-guided environment.

Why learning with real money matters

Reading about money is helpful. Using money responsibly is how lasting financial habits are built.

With Finley, children practice making real financial decisions in a safe environment while parents remain actively involved. Every purchase, savings goal, and lesson becomes an opportunity to build confidence and develop lifelong skills.

Real debit card

Your child receives their own debit card to safely practice everyday spending. They'll learn how purchases work, check their balance, understand transactions, and make smart decisions using real money.

Weekly financial education

Finley includes an age-appropriate financial education curriculum designed specifically for children and teens.Lessons grow with your child from basic concepts like saving and spending to more advanced topics including budgeting, credit, investing, taxes, insurance, loans, and financial independence.Each lesson includes:

Short videos
Interactive quizzes
Achievement badges
Progressive learning paths

Savings Goals

Kids can create savings goals and watch their progress grow over time. Whether they're saving for a bike, gaming system, concert tickets, or their first car, Finley helps connect everyday choices with long-term rewards.

Chores & Allowance

Parents can assign chores, approve completed tasks, and automate allowances. Kids begin connecting work with earning while building responsibility and consistency.

Gamified Learning

Learning shouldn't feel like homework. Children earn badges, unlock achievements, complete lessons, and level up as they build financial knowledge throughout the program.

What kids learn

Finley's curriculum grows with your child, introducing new concepts as they become relevant in everyday life.

Banking Basics

Checking accounts
Savings accounts
Debit cards
Balances
Transactions
Deposits
Withdrawals

Smart Spending

Needs vs. wants
Making spending decisions
Opportunity cost
Comparing prices
Tracking purchases

Building Healthy Money Habits

Saving & planning
Setting savings goals
Budgeting
Delayed gratification
Emergency savings

Planning for Larger Purchases

Digital money
Online shopping
Payment apps
Subscriptions
Digital safety
Protecting personal information
Avoiding scams

Growing Financial Skills

Credit
Loans
Interest
Investing
Insurance
Taxes
Paychecks
Financial responsibility

Give your child a headstart with their financial education

Download on the App Store

Download on Google Play

Built by Michigan First Credit Union

For a century, Michigan First Credit Union has helped individuals and families build strong financial futures. Finley brings that same commitment to the next generation through safe banking tools, practical financial education, and guidance that grows with your child.

As your family's trusted financial partner, we're here to support every milestone - from a first allowance to a first paycheck and beyond.

Frequently asked questions

What is Finley, and how does it help kids learn about money?

Finley is Michigan First’s youth banking and financial education experience for children ages 6–17. It combines a real account and debit card with age-appropriate lessons, quizzes, challenges, and rewards. Parents can monitor purchases, set spending limits, manage the child’s card, and use chores and allowances to help their child practice managing real money.

Can my child get a debit card from Michigan First?

Yes. Michigan First offers debit card access through eligible youth accounts. Finley is available for children ages 6–17 and gives parents tools to view purchases, set spending limits, freeze or unfreeze the card, and help their child manage money responsibly.

What youth bank accounts does Michigan First offer?

Michigan First offers youth banking options designed for different ages and stages. MoneyKids Savings Accounts help children begin saving, while MoneyTeens Checking Accounts give teenagers experience managing a checking account and debit card. Finley combines a real youth account and debit card with age-appropriate financial education and parental controls.