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Wealth Management

Greenlight App and Debit Card for Families

Greenlight is a debit card and money app for families, managed by parents. Greenlight gives parents the tools to manage and monitor spending as well as pay allowance, assign chores, set savings goals, donate to charity and more.

Complimentary Greenlight App and Debit Card for CashPlus Clients

CashPlus clients who sign up for Greenlight, will have the $4.99 monthly fee waived. Offer is valid for any CashPlus Brokerage Account holder and includes debit cards for up to 5 family members.

Here's how you get started

Confirm

Confirm you are a CashPlus Brokerage Account holder on Morgan Stanley Online or through your Morgan Stanley Team.

Visit

Visit your CashPlus activity page on Morgan Stanley Online and click on the Greenlight banner to enroll on the Greenlight page.

Complete

Fill out all requried information including your CashPlus account and routing numbers.

Not a CashPlus Client?

The Morgan Stanley CashPlus Brokerage Account is a modern alternative to banking, providing more value, more protection, and a seamless digital experience.

Learn More

Frequently Asked Questions

1. What is Greenlight?

Greenlight is an app and debit card built for families. Clients can load money onto the card from their own Greenlight app and they can easily manage and see where, when, and how much family members spend, while helping them learn to manage their money.

2. What are the key features of the Greenlight App?

Clients Can…

Transfer money instantly
Turn the card off via the app, if needed
Receive alerts whenever the card is used
Set store-level spend controls to help kids learn to budget
Automate allowance payments
Manage chores

Family Members Can…

Request money
Turn the card off via the app, if needed
See their activity via the app
Customize the debit card
Check off chores when completed

3. Is there a minimum age?

The debit card can be opened for family members of all ages (no minimum or maximum age required).

4. Is there a fee or cost associated with the Greenlight App?

The monthly fee is $4.99 but this is waived for Morgan Stanley CashPlus Brokerage Account clients when they link their CashPlus account as the funding source for the Greenlight account.

Note: Greenlight may charge other fees such as for ATM withdrawals, card customization, card replacement and other product upgrades that are not waived as part of the CashPlus benefit. Other third party charges may apply.

Clients are encouraged to review all fees and terms related to the service at Greenlight.com before enrolling.

5. What if I am a CashPlus client who is already current Greenlight customer?

Existing Greenlight customers will not be able to sign up through Morgan Stanley Online or the Mobile App.

In order to take advantage of the complimentary offer, please follow these steps:

In the Greenlight App add the CashPlus Account and routing number as the primary funding source
Contact your Morgan Team for next steps to help you get the monthly Greenlight fee waiver

6. Is this a debit or credit card?

Greenlight is a Mastercard debit card not a credit card. There is no extension of credit or effect on credit score. The debit cardholder can only spend what has been transferred to them.

7. How long will it take for my card to arrive?

The Greenlight debit card will typically be received in 7-10 business days after a request is placed.

You may opt for expedited shipping at an additional cost.

8. Does Greenlight work with Apple Pay and Google Pay?

Yes, as soon as you sign up for Greenlight, the Greenlight debit card details can be added to Apple Pay or Google Pay* to tap and pay in an instant.

*Subject to Apple Pay and Google Pay age requirements.

9. How many Greenlight debit cards can I open?

Clients may open up to 5 cards for their family members.

10. What if I have a question about my Greenlight card, a debit card transaction or the app?

Any questions related to the Greenlight service or debit card can be directed to the Greenlight service center at 1-888-483-2645

The CashPlus Account is a brokerage account offered through Morgan Stanley Smith Barney LLC. Conditions and restrictions apply. Please refer to the CashPlus Account Disclosure Statement for further details at https://www.morganstanley.com/wealth-disclosures/cashplusaccountdisclosurestatement.pdf

The Greenlight App and Debit Card is provided by Greenlight Financial Technologies, not Morgan Stanley or any of its affiliates. Morgan Stanley has entered into a referral partnership with Greenlight Technology Inc., the program manager for the Greenlight card and related mobile application. Greenlight charges a usage fee of $4.99 per month. Morgan Stanley will reimburse this $4.99 monthly fee to Greenlight on your behalf for one Greenlight account (up to five minors under 18 years old) as long as the following conditions are met:

i) Enroll in Greenlight using the enrollment link on Morgan Stanley Online or Mobile;
ii) Enroll in the Greenlight standard plan (currently $4.99/month (subject to change). Greenlight +Invest and Greenlight Max or any other current and future products are excluded from this offer; and
iii) Link a CashPlus Account for the Greenlight debit card funding.

Limited to one free Greenlight enrollment per CashPlus ALG. This fee waiver only applies while you fund the Greenlight Debit Card from your CashPlus Account. Other Morgan Stanley accounts are not eligible for this offer and the Greenlight usage fee will no longer be waived if you close the associated CashPlus account or change the funding source on the Greenlight Debit Card to any other account type, including another Morgan Stanley non-CashPlus account type.

Please review the Greenlight terms and conditions and other applicable fees for the service at Greenlightcard.com before enrolling (such terms are subject to change at any time) Only the monthly usage fee is waived. You are responsible for all other fees associates with the use of the Greenlight service.

© 2024 Greenlight Financial Technology, Inc. Patents Pending. The Greenlight card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Message and data rates may apply.

Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking-related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

CRC#3533783 (05/2024)

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