Sprout Savings

If your child is 12 years old or younger, they are eligible to open a Sprout Savings Account.

Any legal guardian can open a Sprout Savings account for their little one.

Yes! We make depositing in this account easy. Simply let one of our team members know that you would like to do this when you open your Sprout Account or do it yourself in our Online Banking Portal. You can transfer to and from other Fortera accounts and accounts at other banks and credit unions. To get started, just click on the Transfer Money tab.

A Sprout Savings account stays a Sprout Savings account for life. This means that when your child turns 13, the account stays exactly the same and will remain open for as long as the parent or guardian would like. When you believe your kids are ready for a Flex Savings and Checking account, you can make an appointment at your local branch or video chat with us to close your current Sprout Savings account, and move those savings over to a Flex Savings account.

All families are different and the right time to give your kids this new responsibility is totally up to you. We're just here to help you and your family build those good, healthy savings habits.

Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The Sprout Savings account earns dividends quarterly as long as your account has at least $25 deposited in it. It is just another way we like to say thank you to our members for trusting us with your hard-earned "dough". To learn more about what the current dividend rate is and our other savings accounts that earn dividends, please see our Rate and Fee Disclosure.

For the safety and security of our youngest members, we do ask that you schedule an appointment or video call us to open this account.

Fraud, unfortunately, is made easier when an account holder has fewer identifying documents and since we can safely assume your children do not yet have a driver's license, we do ask that you schedule an appointment or video call us so that we can verify both parties' identities. Thank you for your understanding.

Please reach out to Peyton Craft, our Financial Wellness Director, at pcraft@forteracu.com.

Yes! As a nonmember, you have the option to make an annual donation of $40 to the Fortera Foundation. This donation works exactly like a subscription, and you will be scheduled to receive the next four Financial Explorer Kits.

For households with more than one elementary-age child, we recommend only subscribing to one Financial Explorer Kit and sharing the box among the children.

Absolutely! You can choose to make either the $40 annual donation or the $10 quarterly donation to the Fortera Foundation to order our Financial Explorer Kits for your kids/grandkids.

It will take about 7 to 10 business days to receive your new Greenlight Debit Card in the mail after you complete your online enrollment and download the Greenlight app. You can pay an additional fee to receive your card sooner, if you would like.

If you don’t recognize a pending transaction on your family’s account, you should file a dispute for the charge as soon as possible so we can review it.

If you would like to dispute a purchase made with your Greenlight card, please fill out this form to file your dispute. If you’re disputing more than one transaction, you can include multiple charges on the same dispute form.

Please keep in mind that the transaction you want to dispute must settle in your account before you can dispute it. This typically takes 1-3 business days after your initial purchase, depending on the merchant.

Greenlight may temporarily freeze a card for security reasons. In some cases, Greenlight may temporarily lock or freeze a card as a security precaution if we detect unusual activity or need to verify account information.

If this happens:

• Check your email inbox for a message from the Greenlight team with next steps
• Follow any instructions included in the email
• Contact Greenlight Support at 888.483.2645 if you need additional help

Greenlight will work with you to review the account and get the card back up and running as quickly as possible.

Yes! Simply call the Greenlight support line (available 24/7) and request that your Greenlight account be labeled as a Fortera Greenlight Account. The Greenlight Support Team can be reached at 888.483.2645.

You have full control over your card and can disable it at any time. Greenlight Debit Cards are also FDIC-insured up to $250,000 and protected by MasterCard’s Zero Liability Program. Parents or guardians can block any unsafe spending categories, and support is available 24/7 at 888.483.2645.

No, Greenlight is available for all ages.

Visit our Greenlight enrollment page and enter your phone number to get started.

Nope. Kids and parents log in to the same Greenlight app but have two different experiences.

Yes. If you would like to enroll in those additional features, you can, but you will be charged for them. Fortera membership covers the cost of the basic Greenlight Debit Card and Account, known as the Select Greenlight Account.

Yes! The Greenlight card can be used at any ATM with a Mastercard®, Visa® Interlink®, or Maestro® logo, including international ATMs that display these logos.

If the first transaction made with a Greenlight card is an ATM withdrawal, the withdrawal limit may be lower.

The full ATM withdrawal amount will be available once the card has been used for a point-of-sale transaction (such as an in-store or online purchase).

You can withdraw money from an ATM if there are available funds in the “ATM” Spend Control. If you would like your child or teen to withdraw money from their “Spend anywhere” category at an ATM, you will need to adjust your Spend Control settings. If the ATM asks the cardholder to choose an account to withdraw the funds from at the ATM, they should select “Checking” or “General Checking.

A family can have up to 5 separate Greenlight cards (one per child) with the Select Greenlight Account.

Greenlight offers one free replacement card per family, per calendar year. Any additional replacement cards after that are $5.99 per card.

Replacement cards must be ordered by the Primary Accountholder or an Authorized Approver through their Greenlight app — cardholders aren't able to replace their own cards. If you need a hand, Greenlight's support team is always happy to help.

ATM withdrawal limits can vary based on your account and usage. To see the most up-to-date daily and weekly ATM withdrawal limits, click here and scroll to the Balance/Transfer Limitations section toward the bottom of the page.