Give your kids the credit they deserve

Parent sponsored credit building for minors and young adults

FreeKick helps minors and young adults establish and build a strong credit profile that gives them a head start in life.

How it works

Establish and build your child’s personal credit profile in 3 simple steps.

Good credit can help your children save more than $200,000 during their lifetime.​

Strong credit saves money and opens doors for teens and young adults.

Give your kids what 48 million Americans don’t have: Good credit

FreeKick is launching the summer of 2023. Sign up for our waitlist today and you’ll be invited to exclusive early access when we launch.

    Thanks! We’ll let you know when we launch.

    FreeKick also includes special benefits for parents and their children, for children in specific age ranges.

    Tell us a little about your family and we’ll give you early notification to receive exclusive first access to these benefits:

    First name

    How many children do you have?

    What is your zip code?

    [optional] Are you married?

    Please provide me with early notification when benefits become available.


    Get the answers to your questions about Freekick, including our credit building services, educational resources, measures, in our FAQ section.

    With FreeKick your children are building their own personal individual credit profile with a primary credit tradeline that will stay with them. When a child is added as an authorized user to your credit cards, they are piggybacking on your credit. When you remove them as an authorized user from your card, they will lose all of their payment and credit history from the card. 

    The authorized user approach has many drawbacks: 
    • You must have a credit card and your card issuer must allow and report credit on authorized users, and specifically minor authorized users 
    • You must have good credit; as an authorized user, the child inherits the primary account holder’s payment performance, so if the primary parent account holder pays late or misses a payment, it impacts the child’s credit profile and score 
    • Your child is not building their own credit (building their own personal credit and payment history), they are simply ‘piggybacking’ on your credit, when your child is removed as an authorized user, your credit history is permanently removed from the child’s credit profile 
    • Many lenders ignore authorized user tradelines and only extend credit based on primary credit tradeline history 
    • You must be willing to potentially allow your children to access to your credit card 

    FreeKick is available to parents of minor or young adult children ages 14 years up to 25 years. 

    FreeKick is a credit-building service powered by Austin Capital Bank. Austin Capital Bank is an independent community bank and member of the FDIC. As an FDIC insured bank, Austin Capital Bank is subject to rigorous federal and state oversight and examinations on a regular basis by the Federal Deposit Insurance Corporation and the Texas Department of Savings and Mortgage Lending. Read more about the bank behind FreeKick here: Austin Capital Bank  

    Only a FDIC insured bank can own a .BANK website in the United States and there are strict controls in place to prevent anyone other than a bank from obtaining a .BANK domain address. By using .BANK we can provide you with additional fraud protections. Over 90% of cyberattacks start with email phishing and by using .BANK fraudsters are unable to use a close misspelling of FreeKick (ex. in an email phishing attempt to trick you into providing your personal information or login credentials, because they cannot obtain a .BANK website or email address. To learn more about .BANK and the extra security it provides, please visit  

    Education foundation or provider?

    FreeKick partners with education foundations and school districts
    • Help students establish strong credit that will give them a head start in life
    • Create a new source of revenue for your schools and educators
    • Keep more money in your community, by decreasing the cost of credit for your young adults