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Account Options

• Low annual subscription fee, or
• Free with FDIC-insured deposit

Every FreeKick account includes 

Premium Identity Protection & Credit Monitoring 

+ Credit Building 

Account Options


100% Transparent Pricing


Per year subscription


with one-time $3,000

FDIC-insured deposit*

*100% of your deposit, plus interest earned, is returned when account is closed 

Funds are held in an FDIC-insured FreeKick savings account 

30-Day Risk-Free Satisfaction Guaranty 

If you aren’t 100% satisfied with FreeKick identity protection and credit building for your family, you can close your account in the first 30 days, and we’ll promptly return 100% of your money.

Summary of Account Features

Premium Identity Protection and Credit Monitoring for Your Family 

Identity protection and credit monitoring for up to two adult parents and six children 

  • Parents must be adults 18+ years old 
  • Children can be minors or adults from birth up to 25 years old 
  • Children must have a social security number to be eligible for coverage 

Up to Six Individual Credit Builder Accounts 

Safe and reliable credit building for up to six children ages 13 to 25 

  • Automatically build credit history for each individual child 
  • Does not impact parent’s credit score or credit history 
  • Child builds their own credit history – independent of parent’s credit profile 

Optional: Add Individual Credit Building Savings Plans 

Enhance credit building for your children by adding an optional monthly savings plan 

  • Can establish an individual savings plan for each child aged 13 to 25 
  • Savings plan builds savings and payment history for children aged 13 to 25 
  • Use savings plan to optimize credit utilization and credit score for children 18 to 25 years old 

Credit Monitoring and Identity Protection Plan Details 

Minor Child Services

  • Credit profile monitoring 
  • Social security number monitoring 
  • Dark web monitoring for child’s personal information 
  • Up to $1 million identity theft insurance 
  • Full-service white-glove concierge credit restoration 
  • Sex offender monitoring – based on sponsor parent’s address 

Parent and Adult Child Services

  • Free FICO® Score monthly 
  • FICO® score factors 
  • Experian credit report 
  • Credit profile monitoring 
  • Social security number monitoring 
  • Dark web monitoring for parent’s personal information 
  • Up to $1 million identity theft insurance 
  • Full-service white-glove concierge credit restoration 
  • Lost wallet protection 
  • Court records monitoring 
  • Change of address monitoring 
  • Non-Credit (Payday) loan monitoring 

Credit Builder Plan Details 

Credit Builder Account

You can establish a FreeKick credit builder account for each child covered by your plan aged 13 to 25. A $500 revolving credit account is reported to all three major credit bureaus (Experian, Equifax, and TransUnion) in your child’s individual name when your child reaches age 18 and activates credit reporting. 

Optional: Credit Builder Savings Plan

You may add an optional monthly savings plan to each credit builder account. You may contribute between $10 to $500 each month to the plan. Each savings plan contribution builds payment history for your child. Payment history determines 35% of a FICO credit score. The most recent 24 months and all future savings contributions are reported to credit bureaus when your child activates credit reporting. You may change or cancel your savings plan contribution at any time. 

Optional: Credit Builder Account Upgrade

When you activate credit building for an individual child, you have the option to increase the amount of the credit builder account from $500 to $2,000. Amount of credit determines 30% of a FICO credit score, with larger amounts having a larger impact on score.

An upgrade can be activated for a $49 per year fee or is FREE with a $2,000 deposit. Upgrading to a $2,000 credit builder account also allows you to increase the amount of your savings plan contribution up to $2,000 per month and report a larger payment to the credit bureaus. 

Save Thousands

Why pay hundreds of dollars every year for identity protection and credit building?

Invest your money in your child’s future – not identity protection

Save up to $12,960

with family identity protection from FreeKick




Cost Per Year

Free to $149

$372 to $720

$384 to $540

Annual savings with FreeKick: 
$372 to $720 per year  

Savings over 18 years: 
$6,912 to $12,960 

How is FreeKick able to offer premium identity protection for 75% less than the cost of competing subscription-based services like LifeLock?

We operate similarly to Costco. We acquire credit monitoring and identity protection services in bulk at wholesale prices.

For example, you would purchase a single ID protection insurance policy for up to $1 million in coverage for your family and pay a retail price for the policy – we acquire a blanket insurance policy for thousands of accountholders and include that coverage as part of your FreeKick savings account, saving you hundreds of dollars every year. 

Additionally, as a bank, we have direct access to identity verification and protection resources for free or highly reduced prices – and we pass our savings on to you. 



FreeKick Savings Account Details

FDIC Deposit Insurance 

FreeKick accounts are bank savings accounts and FDIC-insured up to $250,000 

Earn Interest

FreeKick savings accounts and credit builder savings plan deposits earn interest