Grow healthy spending habits
Learn how spending decisions affect balances and develop skills that support future financial independence.
Ignite Spending | Debit Card for Ages 0-17
Real world spending. Real world confidence.
The debit card that empowers your kid to learn about money, build responsibility, and prepare for greater financial independence in a parent-supervised space.
Independence starts here
Financial freedom with guardrails.
Ignite Spending gives young Texans the financial freedom of their own debit card with the Texans mobile app,* plus guidance and support from parents. Kids and teens learn to spend wisely, manage money, and develop stronger financial habits.
Build a strong foundation
Build stronger money-management habits through experience making financial decisions responsibily.
Parent-friendly app features
Set flexible spending controls, get real-time notifications and account alerts, and turn their card on or off in your app.
Manage money together in your app.
Pay friends and family
Send money and get paid back with in-app transfers, plus Zelle® access at age 13.
Keep tabs on spending
Get real time alerts about spending activity and see balances in the app.
Get paid fast
Get your part-time job paycheck up to two days early with Direct Deposit to your Ignite account.
Spending controls
Choose where and how much your kids can spend. Adjust controls as they grow.
Growing up with Ignite
The debit card that grows with them.
As life changes, Ignite Spending changes with it.
- Ages 0-12
Debit Card for Kids
The freedom of their own debit card with age-appropriate guardrails and parental guidance.
- No monthly fee & no minimum balance requirements
- Personalized debit card with parental oversight
- Mobile app with mobile deposit
- Free loose coin deposits
- Set customizeable debit card spending limits & controls
- Automatic transfers from Ignite Savings help cover transactions when your checking balance is low
- Ages 13-17
Debit Card for Teens
Everything there is to love about Ignite for Kids, plus features & benefits for the teen years.
- Send & receive money with Zelle®
- Support for larger purchases with increased debit card and ATM limits
- Round up and save the change from your debit card purchases with Roundup
- Celebrate hitting the road with a $25 bonus when you bring in your new driver's license1
- Part-time job paychecks available up to two days early with Direct Deposit
- Ability to add your teen as an authorized user on your Texans credit card and give their credit score a head start
- Ages 18-22
Debit Card for Young Adults
All the features of Ignite for Teens with added benefits for college students & young adults.
- A warm welcome to adulthood with a $501 gift deposited to Ignite Spending just for turning 18
- Higher debit card and ATM limits designed for adult purchases and bills
- Send and recieve money in seconds with Instant Transfers
- Access to Texans Credit Union's full suite of financial products and services
- Option to keep your Ignite Spending account until age 22 or transition to another Texans Checking account
Not just any debit card. A custom debit card.
Design a debit card with a photo of your choice — the first one is free. Selfies welcome. Pets encouraged. Original artwork admired. Choose your own design or image and make smart spending more fun.
Why starting early matters
The best way to learn is to do.
Managing money is a skill. Starting young gives kids and teens the opportunity to learn valuable money lessons and develop healthy spending habits in a safe, secure environment with parental support nearby. Ignite Spending provides the experience today that leads to smarter financial decisions tomorrow.
Track spending
Learn to keep tabs on what you buy and how much money you still have left.
Practice budgeting
Understand your account balance and how a purchase today could affect your money tomorrow.
Build strong habits
Learn how saving and spending work together and develop healthy money habits.
Gain confidence
Enter adulthood with the confidence earned from years of sound financial decisions.
Start the journey
Ignite their spending.
Whether it's a first debit card, a first paycheck, or a first step toward financial independence, Ignite Spending helps young members build confidence through real-world experience.
Membership Required.
All Ignite Accounts require enrollment in eStatements; must enroll in digital banking. A $2 paper statement fee will apply if not enrolled in eStatements. Accounts must be in good standing (no past due or overdrawn accounts) at the time the bonus is credited. Bonuses are considered interest and will be reported to the IRS as required. Texans CU reserves the right to modify the Ignite program at any time.
1 Available to members ages 0 through 17 and may be maintained until age 22. Minimum balance of $1 is required to open and must have an open Ignite Savings Account. Limit one Ignite Spending Account per member. Account is not eligible for Courtesy Pay. This account is designed for electronic transactions and does not offer paper checks. Zelle is available to members ages 13 through 22 and subject to the terms, conditions, and transaction limits. Texans CU will match the initial opening deposit, up to $20, on a new Ignite Spending Account. The matching deposit will be credited on the next business day. Receive a $50 deposit into your account when member reaches age 18 and the account has been open for at least six (6) months before the member's 18th birthday. Upon the member’s 22nd birthday, the Ignite Spending Account will automatically be converted to Texans Cash Back Account.
* Texans does not charge a fee for mobile banking, text message banking or any of our smart phone apps. Mobile carriers may assess standard text messaging and/or cell phone data usage charges. Please check with your service provider for more information.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
This website uses cookies in order to offer you the most relevant information. Please click "I Accept" for optimal site performance. For more information, please reference the Online and Texans CU Mobile App Privacy Policy.