Help
How Family ATM works
Family ATM gives parents a private household ledger and gives kids a simple ATM-shaped way to practice money decisions. It is built for allowance, savings, spending, deposits, withdrawals, transfers, and activity history without connecting to a real bank.
Purpose
Why it works this way
Kids learn best when money feels concrete. Family ATM keeps the money model visible: parents choose the rules, children practice through PIN-protected actions, and every balance change leaves a ledger entry that can be reviewed later.
Basics
How it works
- Create a parent household Start with a parent sign-in so allowance settings and child accounts stay under adult control.
- Add children and PINs Each child gets a profile, balances, and a four-digit ATM PIN for the practice flow.
- Set allowance rules Choose the deposit day, age-based allowance formula, and the spending, savings, and tithe split.
- Let kids use the ATM Children can deposit, withdraw, transfer between accounts, send money to another child, or view history.
- Review the ledger Parents can see balances, activity, allowance runs, and manual adjustments in one place.
FAQ
Common questions
Is this a real bank account?
No. Family ATM is a private household ledger for teaching allowance and money habits. It does not open custodial accounts or provide banking services.
Does Family ATM move real money?
No. Deposits, withdrawals, transfers, and allowance runs update the household ledger only. Parents decide how those ledger balances relate to cash, chores, purchases, or family rules outside the app.
How does the kid ATM work?
A child selects their name, enters their PIN, then uses the ATM screen to choose an action. The ATM writes successful actions to the ledger, and parents can review the activity history afterward.
What can parents control?
Parents manage child profiles, PINs, balances, allowance rules, account splits, manual balance edits, and the full activity history. Premium households can also use per-child allowance overrides and linked parent access.
How is allowance calculated?
The default formula is the child's age multiplied by a dollar amount per year of age. Parents choose the deposit day and how each allowance is split between spending, savings, and tithe.
What are spending, savings, and tithe?
Spending and savings are the two balances kids can use in the ATM. Tithe is a planned portion of allowance shown for the household, so families that use giving goals can keep that amount visible.
Can kids overdraw?
No. Withdrawals, transfers, and wires need enough money in the selected account. If the balance is too low, the ATM will not complete the transaction.
What is Free vs Premium?
Free includes one child and the core ledger tools. Premium adds multiple children, per-child allowance overrides, linked parent management, and Stripe-hosted subscription management.
Can another parent help manage the household?
Yes, on Premium. The owner can invite linked parents so another adult can help manage the same household without sharing the owner's password.
How do I get support?
Email familyatmsupport@gmail.com with your question. Include the parent account email and a short description of what you were trying to do.