GenAspire × Credit Union Shared Services
Your Next Members
Are In High School
A white-labeled teen banking app and accredited financial literacy program, delivered through 2,200+ schools. Your deposits, your interchange, your members.
Why credit unions are acting now
Gen Z Picks Its First Bank On Its Phone.
Gen Z and Gen Alpha are already banking through apps, not branches. While most credit unions wait for parents to open accounts, teens are choosing digital banks and payment apps as their first financial home. GenAspire reaches them first, in the classroom, under your brand.
Reach Teens Through School
The accredited curriculum is free to high schools in your region, and students download your app as part of the lessons.
Your Brand On Every Touchpoint
The app, the debit card, curriculum assignments and parent communications all carry your credit union's name.
Deposits And Interchange Stay Yours
Parents open and fund a real account at your credit union, so the balances, interchange and relationship are yours from day one.
How it compares
Traditional Youth Accounts vs. GenAspire
Typical youth account program
- Waits for a parent to walk into a branch
- Account access without financial education
- Free money to seed the account
- Little day-to-day engagement
- Teens leave for fintech apps as they grow up
GenAspire
- Reaches students directly in the classroom
- Nationally accredited financial literacy curriculum
- Rewards real learning: saving, budgeting, lessons
- Allowance, chores, rewards and quizzes drive daily use
- Built-in path into your adult products
Traditional program traits are illustrative and not specific to any institution. GenAspire features as published by GenAspire.
Inside the GenAspire app
One App. Teens Learn, Parents Stay In Control.
Teens learn by doing: saving, budgeting and earning rewards that build lifelong habits. Parents get the guardrails they need to say yes.
For Teens
- Instant digital debit card, plus a physical card by mail
- Automatic weekly allowance for budgeting practice
- Savings goals, spending and P2P requests
- Lesson-based financial education built into the app
- Game rewards and quizzes as learning incentives
For Parents
- Open and fund a credit union account with seamless KYC
- Full visibility into all accounts and spending
- Real-time notifications and alerts
- Spend limits and merchant blocking
- List chores and dollar amounts for completion
The member journey
From Classroom To Lifelong Member
It Starts At School
Your branded app is distributed through GenAspire school partnerships in your region.
Family Unlocks Banking
Teens invite a parent, who opens and funds an account at your credit union.
First Money Moments
Teens spend, save and budget under your brand, becoming high-frequency transactors.
Graduate To Membership
As they grow, they move into your adult products, from direct deposit to credit, with loyalty built in.
Who's behind it
Built By Leaders In Core Banking And Teen Fintech
GenAspire is led by Kenny Stivers, an early founding team member of Copper Banking, whose strategy there saw over 2 million downloads and 300,000+ new teen accounts in under 18 months. Louis Hernandez Jr., founder and CEO of Black Dragon Capital, and Joseph D. Lockwood, former President and COO of COCC, round out the leadership.
What's included
Featured with a live demo at Finovate Spring 2026.
How it works
Three Steps. No Sales Gauntlet.
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01
Request An Introduction
Share your name, contact details and credit union. It takes under a minute.
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02
A Short Call With CUSS
We confirm fit, region and timing, then make a warm introduction to GenAspire.
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03
See A GenAspire Demo
Review the app, the school rollout and program terms directly with GenAspire.
FAQ
Teen Banking For Credit Unions
What is GenAspire?
GenAspire is a white-labeled teen banking app and financial literacy program built for credit unions. It reaches students through high schools and puts your credit union's brand on the app, the debit card and the curriculum.
How does GenAspire reach teens?
Through school partnerships. The curriculum is free for high schools in your region, and students download your branded app as part of the lessons. GenAspire already runs in more than 2,200 schools.
Who owns the deposits and interchange?
Your credit union. A parent opens and funds the teen's account at your credit union, so the deposit balances, interchange fees and member relationships are yours.
How do parents stay in control?
Parents see all accounts and spending, get real-time alerts, set spend limits, block merchants and can list chores with dollar amounts for completion.
Is the curriculum accredited?
Yes. The GenAspire financial literacy course meets national education standards and is 100% free for schools to implement.
What happens when teens grow up?
They graduate from the teen account into your adult products and services, from direct deposit to credit, so the relationship you built early stays with your credit union.
How does the introduction work?
Credit Union Shared Services (CUSS), from Mitchell Stankovic & Associates, is a GenAspire partner. After a short call to understand your credit union, we connect you directly with the GenAspire team for a demo.
Request an introduction
Be Their First Financial Home
Share a few details and we'll follow up to set up your introduction to GenAspire.