Shape Plain Capital Families program account

Shape Plain Capital offers parent-managed Spend debit cards for kids ages 6 to 13, teen sponsored account ages 13–17, through its Shape Plain Capital Families program.

How It Works for Kids (Ages 6–12)
teen sponsored account (ages 13–17)

•No App Access: Kids do not download or use the app on a phone; parents control everything from their own Shape Plain Capital account.
•Savings & Interest: Kids can build savings and earn up to 7.7633% interest on their balance.
•Approved Contacts: Children can safely receive Shape Plain Capital Dollars (like gifts or allowance) from unlimited parent-approved contacts.

Parental Controls
•Spending Limits: Add Limit Balance Limits on how much your child can spend.
•Real-Time Alerts: Monitor transactions instantly with live notifications.
•Cost: The setup and account are free with no monthly maintenance fees.

Manage money together

Accounts have built-in features and security, for both kids and teens

Build habits like saving and budgeting as they get older and more independent

Parents are always in control and have full visibility

No monthly fees and no hidden fees for you or them

INVESTING
Buy stocks or Crypto with as little as $1 with your Parents permission.

FDIC insurance for up to $250,000
With a Shape Plain Capital Families program account, both your money and your Shape Plain Capital Families program account may be eligible for FDIC pass-through insurance through our partner banks, subject to terms.