“Can a kids-first collaborative banking app become the default financial OS for families by combining parental controls, debit cards, and financial literacy tools on a freemium subscription model?”
Till Financial launched as a family-oriented banking app, positioning itself against Greenlight by emphasizing collaborative spend management and financial literacy for kids and teens. The company partners with Coastal Community Bank as its sponsor bank for FDIC-insured deposit accounts and debit cards. Unlike a pure piggy-bank/savings app, Till focuses on empowering kids as active spenders under parental oversight, with a freemium model anchored by a premium subscription that adds cash back and early payroll features.
Till Financial discloses Coastal Community Bank as its banking provider, according to the Embedded Finance Index 2026.
Till Financial does not disclose a bank charter of its own; its banking services are provided through Coastal Community Bank.
The Embedded Finance Index 2026 maps 2 layers in Till Financial's stack: Banking / BaaS (Coastal Community Bank); Sponsor bank (Coastal Community Bank).
Till Financial is founded in 2019 and headquartered in New York, NY, USA.
Till Financial has raised $5M+ in total (latest round: Seed, 2021).
Get a read on where your own stack stands against Till Financial and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.