The Lil’ Brownies Debit Card helps your kid develop a strong financial foundation in a safe, parent-guided environment with exciting Cardinal Credit Union benefits, fun, local perks, and of course, tons of Cleveland Browns activities and rewards.

With the program, your kid gets access to a free savings account, a custom Brownie the Elf debit card, and tools to monitor transactions, build saving habits, and gain financial independence.

Your kid can use their Brownie the Elf debit card to pay anywhere debit cards are accepted and to access ATMs where eligible.

Lil’ Brownies is designed for kids ages 5-18, with a parent or legal guardian on the account. The program keeps parents in control with monitoring kids’ access to save and spend.

Yes, parents can always view balances, transactions, and account activity through the Cardinal app. This way you can keep tabs, advise, and use real purchases as teachable moments.

Yes, the Lil’ Brownies Debit Card includes tools and guidance to help families set allowances, create savings goals, and coach responsible spending. Many parents use the account to create simple “spend, save, share” routines that make money management easier for kids to understand.

Yes, it’s arguably the best part of the program! The Lil’ Brownies Debit Card provides kids exclusive access to special Cleveland Browns-related events, merchandise, games and meet-and-greet opportunities, and promotional giveaways.

Cardinal Credit Union is there every step of your kid’s financial journey. When they have a strong financial foundation and outgrow this account, we have a number of accounts for you and them to choose from that will best align with their next goals. 

No. There are $0 monthly service fees for the Lil’ Brownies Debit Card. It’s built to be family-friendly and accessible so parents can focus on learning, not maintenance costs.