GenGrow Family Wallet

Helping families grow financially together.

Our app helps kids set goals, earn allowance, and work toward what matters to them, while parents stay in charge with smart spending controls and real-time visibility.



















































The GenGrow Family Wallet app makes learning about money simple. Kids can earn, save, and budget along the way, while parents stay in control with simple tools built just for families. 
  • Manage chores & allowance
  • Build goals that grow confidence
  • Safe and secure access to money

A Debit Card They Can Learn With

With a debit card of their own, kids and teens can learn how to use money in real life — checking their balance, spending thoughtfully, and seeing where their money goes. Everything is backed by strong security and privacy standards, so families can feel confident. 
  • Chip and PIN-protected transactions
  • Ability to block unsafe spending categories¹
  • Real-time spending notifications¹
  • Easily freeze and enable cards as needed¹
1: Features accessible through debit card controls in parent or guardian's digital banking.










GenGrow Family Wallet FAQs

  1. Open the Family Wallet module in digital banking
  2. Tap Enroll Now, then agree to the Terms & Conditions and submit
  3. Choose a default funding account (this will be an existing Cornerstone parent/guardian account that funds family accounts)
  4. Add a child to create their own GenGrow Rewards Checking account (please note: this will automatically issue a debit card for kids ages 10+)
  5. Invite your child using the QR code, PIN, and app download links shown on the invite page
  6. Download the GenGrow Family Wallet App and tap Accept Invite on the sign-in page
  7. Enter the PIN from the invite
  8. Set up the child profile: create a display name, password, and avatar (biometrics can be added after password setup)
No, Cornerstone is excited to offer this digital experience free of charge.
GenGrow Family Wallet consists of a shared account, funded by another Cornerstone Community Financial account, to house the savings and goals for each family member. As you add people to your Family Wallet, each child will have their own spending account (their ‘wallet’ account) containing the money they can access and spend with their own debit card. Both the parent or guardian and child can move money between Savings, Goals, and Spending (Wallet), which promotes full visibility and a mentored approach to early money management. 
GenGrow debit cards are available for kids ages 10+. The debit card can be used for online purchases and with Apple Pay or Google Pay online or in person. Physical debit cards can be used at merchants when run as ‘Credit.’ ATM withdrawals are disabled to preserve parental controls.
Unsafe spending categories can be blocked, and cards can be easily disabled and enabled within the parent or guardian’s digital banking card controls. Parents or guardians can also set spending limits and real-time spending notifications from within card controls for peace of mind.
 
The child's debit card has standard debit card security features with tap and chip encryption technology, making payments safer and speedier. Parents can easily disable or freeze the debit card in the parent view by selecting the child > Card Controls > Freeze Card.