Greenlight

F&M Bank has partnered with Greenlight to provide you with tools that will help teach your kids and teens about money in a digital world, and smart money management.

As an F&M Bank Customer, you can do just that with Greenlight’s debit card2 and it’s free when you add your F&M account as a funding source.1

Don't have an F&M Bank account? Open an Account Online |  Visit Your Local Branch

 

 

Greenlight is a debit card and mobile app made for kids and families.


What F&M Bank Customers get with Greenlight:

  • Money Management: Send money quickly, set flexible spending controls, and get real-time notifications.
  • Chores and Allowance: Assign chores and automate allowance -- with the option to connect payouts to chore progress.
  • Savings Goals: Set savings goals for what your kids really want -- and watch them grow together.3
  • Financial Literacy Game: Kids play Greenlight Level Up™, the game that makes money concepts easy to understand and fun to learn.

 

Get Started Today! 

 


With Greenlight, parents are in control.

  • Add up to 5 children, each with their own debit card
  • Send money to a child’s card quickly
  • Set limits on spending categories
  • Turn a child’s card on/off in one tap
  • Receive real-time notifications whenever a child makes a purchase
 

 

 With Greenlight, kids get real-life experience.

  • Use their own debit card wherever Mastercard is accepted
  • Set and achieve savings goals
  • Set up direct deposit for an after-school job
  • Add their card to their Greenlight wallet

 

Open a Greenlight Account 


 


 Frequently Asked Questions

How do I sign up for Greenlight at no cost?

Click here to enroll in Greenlight and provide the basic information listed below.

  • Your email address
  • Your mobile phone number
  • Your child’s/children’s names
  • Your legal first and last name
  • Your physical address
  • Your date of birth
  • Your Social Security number (SSN)
    While your SSN is used to confirm your identity, Greenlight does not pull your credit.
  • Your F&M Bank Bank debit card or F&M Bank personal checking account information.

Please note that to receive Greenlight at no-cost, your account must be funded by your F&M Bank personal checking account.

If you don’t have a checking account with F&M Bank, you can click here to see your account options or stop by any of our branch locations.

I signed up through the F&M Bank link, but I was just charged a monthly fee. 

Please contact Greenlight Customer service by calling (888) 483-2645 or texting (404) 974-3024 and inform them you would like to be added to the F&M Bank partnership program.

Can existing Greenlight customers be added to the program?

Yes! Once existing Greenlight customers add their F&M Bank account as a funding source they can reach out to Greenlight customer service and request to be added to the partnership program.

How is Greenlight different from a traditional debit card?

Greenlight is bigger than a debit card, and it was built with families in mind.

Yes, it’s a debit card for kids, managed by parents. But it’s also a powerful mobile app that lets parents easily manage and see where, when, and how much kids spend while helping them learn to manage their money. And because it’s a debit card, kids can’t spend what isn’t there. That’s a pretty valuable life lesson.

It’s three different accounts in one – Spend, Save, and Give. A digital chore board. A saving-motivation machine. A set of flexible parental controls you won’t get from most banks. And a simple, clear view of your child’s financial world, complete with real-time transaction alerts. All in one app.

Greenlight lets parents:

  • Send money quickly to kids
  • Turn the card off via the app, if needed
  • Receive alerts whenever the card is used
  • Set store-level spend controls to help kids learn to budget
  • Automate allowance payments
  • Manage chores (and instantly reward a job well done)

Is Greenlight safe?

The funds underlying Greenlight Debit Cards are FDIC-insured up to $250,000 and come with Mastercard's Zero Liability Protection. Parents can block 'unsafe' spending categories, sends real-time transaction notifications, parents can block unsafe spending, and gives parents flexible ATM and spending controls.

How do I verify my funding source?

Bank Account
If you are prompted to verify your F&M Bank Account when manually adding your funding source, you will receive 2 small deposits of $1.00 or less in your bank account within 1-2 business days. To verify your bank 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 F&M Bank Customer Service directly and have them take a look at the status of your bank account. Once you complete verification, the 2 micro deposits will be removed from your bank account to offset the deposit amounts.


Debit Card
Once you add your F&M Bank debit card as a funding source and make your initial funding load, you should see 2 transactions on your 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 your F&M Bank Customer Service directly and have them take a look at the status of your bank account. Once you complete verification, the 2 micro deposits will be removed from your bank account to offset the deposit amounts.

Is there a minimum age to have a Greenlight card? 

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 an app for kids?

Kids and parents will both use the same Greenlight app you see in the app store, but have two different experiences and individual login credentials. Parents can set up their child’s login under the child’s profile settings.

How can I order a Greenlight Custom Card?

A Custom Card is a great way for your child's personality to shine on their debit card with an image that means the most to them.

If you'd like to order a Custom Card ($9.99 plus applicable taxes), follow these steps:

  1. From your child’s dashboard, tap on the debit card icon next to 'Manage Card' to open their card management page.
  2. Select 'Order a custom card.'
  3. Follow the steps to order your new card.
  4. Once you have chosen an image you want to use, select a funding option to cover the $9.99 charge, then tap 'Confirm Order.'

A few things to keep in mind as you’re ordering Custom Cards for your kids:

  • All images must meet Greenlight's image guidelines.
  • Image approval process may take up to 24 hours after a photo has been uploaded and submitted.
  • You will be charged when the order is placed. If your image is rejected, you can continue to try again with a different image until the image is approved.
  • Once your card image is approved, we’ll start creating your custom card right away, it should arrive within 7-10 business days (excluding weekends and holidays).
  • When ordering your Custom Card, you'll also be presented with the choice of expedited shipping for an additional $24.99 plus applicable taxes. When expedited, your card should arrive within 2-3 business days (excluding weekends and holidays).

How long does it take for my debit 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.

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!

Can I send money to my child’s Greenlight card from the F&M Bank app or website?

No, Greenlight is its own individual app, but within the Greenlight app you can send money to your child’s card, turn their card on/off, set up spending controls, allowance, chores and more.

Can friends and family send my kids money using Greenlight?

Within the Greenlight app, kids can receive money from friends and family – with parent approval on every payment. In the app, your kids have their own pay link that they can share with trusted friends and family to receive money for IOUs, birthdays, you name it.

How can I check my child's spending history?

Greenlight has 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.

Does Greenlight work with Apple Pay and Google Pay?

Yes! As soon as your cards have been activated, your kids can add their Greenlight card details to Apple Pay or Google Pay* to tap and pay in an instant.

*Subject to Apple Pay and Google Pay age requirements.

Does Greenlight offer direct deposit?

You can use the app to set up direct deposit so your teens’ paychecks are automatically deposited to their Greenlight account. Also keep in mind that getting a first job is the right time to help your child open their first checking account and continue to teach them money management skills.

Does Greenlight provide interest?

Greenlight offers a Greenlight Savings Reward, where families can earn up to 2% on Savings.* With a Greenlight Savings Reward, kids learn the power of compound growth and why it pays to save.

*Greenlight Select families can earn monthly rewards of 2% 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.com/terms for Details. Subject to change at any time.

For more FAQ, please visit the Greenlight Help Center, here.

1 F&M Bank customers are eligible for the Greenlight SELECT plan at no cost during a complimentary period when an eligible F&M Bank account is added as the funding source. You are required to be an authorized transactor on the F&M Bank account and be at least 18 years of age. If your F&M Bank checking account(s) cease to be the preferred funding source for your Greenlight account, you may be charged a fee by Greenlight. See Greenlight's Promotion Terms for additional information. Upon termination of promotion, customers will be responsible for associated monthly fees. Upgrades will result in additional fees. Subject to minimum balance requirements and identity verification. Offer ends 1/27/2027. Offer 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. Greenlight is a financial technology company, not a bank. Greenlight and Community Federal Savings Bank are not affiliated with F&M Bank and maintain their own privacy policies. While Greenlight does not charge a fee for ATM withdrawals, all ATM transactions using the Greenlight debit card, are subject to the transaction fees and surcharges imposed by the ATM provider. Card images shown are for illustrative purposes and may vary from the card that you receive.

3 Greenlight Select families can earn monthly rewards of 2% 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.com/terms for Details. Subject to change at any time.

Greenlight is a financial technology company, not a bank. The Greenlight app facilitates banking services through Community Federal Savings Bank (CFSB), Member FDIC. Greenlight and Community Federal Savings Bank are not affiliated with F&M Bank and maintain their own privacy policies.