Frequently Asked Questions

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Using the Cashola® Card

Cashola Prepaid Debit Mastercard® is issued by Pathward®, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Unless specifically noted otherwise, any other product or service mentioned, other than the Cashola Prepaid Debit Mastercard, is not a Pathward or Mastercard product or service.

What’s the difference between a Cashola® Card and a GoalCard®?
The Cashola Card is a debit card for kids, tweens and teens linked to a bank account that can be used to make purchases in stores and online. GoalCards are similar to gift cards, and are specific amounts of money given as customized digital cards that can only be redeemed in the Goalsetter App. Once redeemed, the money goes into the kid, tween or teen’s savings account. GoalCards cannot be used to make purchases.
What are the fees for the Cashola® Card?
Your Cashola Card is provided with your Goalsetter and Goalsetter Gold plan, with no additional fee for one card per kid. If you lose the card and have to replace it, a fee does apply, which is currently $8. There are no transaction fees for the card.
Can the Cashola® Card be used to take out money from the ATM?
No, not currently.
Is there a way I can limit my Kid/Tween/Teen’s spending on their Cashola® Card?

Yes! Goalsetter allows a Parent/Guardian to set up two types of spending controls: 

  • Limit spending amount with frequency 
    • Ability to set a monthly or a rolling two-day limit for each kid individually.
  • Limit by merchant category type through the Cashola Control Center in the Goalsetter App.
    • Based on each merchant’s category code they are grouped into 8 categories, and the parent can block as many categories as they choose.  

By default, Goalsetter proactively blocks all kid Cashola Cards from use at adult merchants, such as liquor stores, gambling, casinos, adult services, etc.

Is there a tracking number we can use to know when our Cashola Card will arrive?
No. Your Cashola Card will be sent via the U.S. Postal Service and is expected to take up to 10 days. If you believe that your Cashola Card has been lost in the mail, please contact us at
Can I add my Cashola Card to my Apple Wallet or Google Pay?
Yes! You can add your Cashola Card to your digital wallet by scanning in your Cashola Card. Please note: Apple currently restricts Apple Pay for kids under 13.
Can I connect the Cashola Card to my CashApp or Venmo account?
Yep! You can definitely connect the Cashola Card to your CashApp or Venmo Account. Note, age restrictions may apply on these platforms.
Can the Cashola card be used for international purchases?
No. The Cashola Card cannot be used internationally.
The optional offers below are not Pathward products or services nor does Pathward endorse these offers.

Getting Started

What’s the difference between Goalsetter and other Teen and Tween debit cards?
Goalsetter offers more than just a debit card! We believe that everyone should have a solid financial foundation, and our smart money tools can help you get there. Click here to learn more about our features.
What do I need to get started?

To open a Goalsetter profile you must be an adult (which means over the age of 18 in most U.S. states) to have access to our Savings accounts and other bank and investment features, provided by our partners:

  • Savings Account: Webster Bank, N.A., Member FDIC
  • Debit Card and Wallet: Pathward, N.A., Member FDIC
  • Investment Account: DriveWealth, LLC

If you are a teenager (ages 13 - 17), you can onboard with Goalsetter for Teens and will have access to our educational features and games, but no access to the bank or investment features until your parent or guardian accepts your invitation and onboards to Goalsetter Parents/ guardians can add a kid aged 6 and over directly and they too can have access. To set up a profile for Goalsetter App access, the user must be 6 years or older.

What are your subscription plans?
Goalsetter is $3.95/month and Goalsetter Gold is priced at $5.95/month, which includes investments. Try now and get a 30-day trial without a fee!

Goalsetter Profile Management

Can I keep my Goalsetter account private?
Goalsetter users within Goalsetter are considered public viewable, being that Goalsetter users can see/ search each other. This does not reveal user or account sensitive information. Goalsetter profiles can be made non-public by going to the Account Settings and selecting "private." Please note that setting your profile to private means your accounts cannot be found using the Goalsetter Search feature.
Can I send money to other people’s accounts?

Yes you can, in two different ways. First, once you’ve opened your Goalsetter account, you can send money to other Goalsetter users in near real time. Second, using a GoalCard. Once redeemed, the money will be deposited into the recipient's account immediately.

Help! I’m locked out of my Goalsetter account!
If you're having issues logging in, select "Forgot Password" at the login screen of the app and follow the password reset steps. If you're still having issues logging in, send us a note at We're here and happy to help!
How do I close my Goalsetter account?

We hate to see you go!  To close your account all funds must be removed out of Goalsetter.  Here are the steps to take to ensure all accounts have a balance of $0:


  • Cash out all the money from your own and your family's accounts: Debit cards, Savings, Goals, and Wallet (it takes up to 6 business days.)
  • Sell all your own and your family’s investments and pending stock orders. After 2 business days, withdraw all that money from your Cash To Invest.
  • Make sure that the withdrawn amount settles in your linked funding account, which can take 3-4 business days.
  • All pending transactions must be settled.

Under Menu, go to Accounts, then Account Management. From there you can decide to close your account or just a specific financial services account.

Saving Features

Can I link multiple bank accounts for Auto-Save or Round-Ups?
You can only link one bank account to your Goalsetter account.
How do I pause Auto-Save?
Log in to your Goalsetter profile, navigate to the "Edit Auto-Save" page, and pause and unpause Auto-Save whenever you’d like.
How do I pause Round-Ups?
Log in to your Goalsetter profile, navigate to the "Edit Round-Ups" page, and pause and unpause Round-ups by toggling the button.
When are Round-Ups deposited into my family’s Goalsetter account?
We transfer one big Round-Up deposit into your family’s Goalsetter account every Friday. That gives your Round-Ups the chance to grow during the week and make a splash right before the weekend!
How do I cash out when I’ve reached a goal?
Parents/Guardians can move money from their Goalsetter account to their connected bank account to cash out, or the money can be spent using the Goalsetter Cashola Card. Cashing out requires that your bank account is linked to your Goalsetter Account. On the Goals page, click "Cash out", and the money will be transferred back to your linked bank account. You can also use the "Move Money" option on your kid’s profile and move money into Goalsetter, out of Goalsetter or between accounts.

Family Management

Who can I add to my Goalsetter?
Goalsetter allows for one adult and up to eight (8) kids to be added to a household account. If your household needs are larger, please email customer support at
Can I connect my account to other Goalsetter members to easily send money?
Yes! Our Family Circle feature allows for users to add other families on the Goalsetter platform to their “Family Circle.” When you add someone to your family circle, they will be able to see your kids’ Goalsetter accounts and set up any of our savings rules (one-time, auto-save or round-ups) to contribute to your kids goals. On the flip side, if you’re added to their family circle, you will also see their kids’ Goalsetter accounts (excluding sensitive information) and can save towards them, too!

Security & Customer Support

Is the money in my Goalsetter Savings account secure?
Yes. Money in your Goalsetter Savings Account is FDIC insured through our bank partner, Webster Bank, N.A, Member FDIC. Please refer to the FDIC website for further details FDIC: Deposit Insurance
How do I cancel, change, or dispute a transaction?
To cancel, change, or dispute a Cashola debit card transaction, please call us at 1-844-422-7465.
Who do I contact if I have questions about my Goalsetter account?
Please contact us at: and we will respond within 24 hours.

Investing With Goalsetter

Investment advice is provided by Goalsetter Advisors, LLC d/b/a Goalsetter Gold. Goalsetter Advisors, LLC d/b/a Goalsetter Gold is a SEC registered investment adviser and an affiliate of Goalsetter. Investment advice is provided by Goalsetter Gold and investments in your Goalsetter Gold account are not FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE.
What type of investment accounts does Goalsetter offer?
Goalsetter Gold offers self-directed investment accounts for adults who have reached the age of majority in their home state and custodial accounts for kids who are under the age of majority, which requires a parent/guardian to open it.
What type of securities does Goalsetter Gold offer?
Goalsetter allows customers to purchase full or fractional shares of exchange-traded stocks and exchange traded funds (ETFs).
Is there a limit on how many stocks I’m allowed to invest in?
Nope! Invest in as many as you like! Because Goalsetter Gold is intended for long-term investment, we discourage short-term trading by not allowing trading in speculative securities (like over-the-counter stocks and options).
How can my kids use Goalsetter Gold?
Your child can search and add to their own watch list any securities they want to follow (without having to make an investment). They can also view their personal Goalsetter Gold account balance and activities. Once they are ready to transact, their parent has to approve all buy and sell requests before we process it.

About the GoalCard®

Does Goalsetter issue refunds for GoalCards?
No. When you send money via Goalsetter, it is deposited directly into the recipient’s Goalsetter account, so we are unable to issue refunds. However, if the recipient does not claim their money or GoalCard within 21 days, the money will be refunded back to you.
How long does it take for a GoalCard to be deposited into my Goalsetter account?
The money from a GoalCard typically deposits into your Goalsetter account within two (2) business days.


What are my options for setting up an allowance?

You have three automated Allowance features to choose from:

  • Set-It-And-Forget-It; no strings attached, flat rate paid to your kid.
  • You’re on Payroll; paid for completion of all chores.
  • Entrepreneur-in-the-Making; paid per chore the kid completes.

As a Parent/Guardian you designate and set the amount of money and the frequency you want to pay out allowance to your kid.

How do I pay my kid or teen for chores?

We’ve made it easier to pay for chores by automating the process! Simply set the criteria, approve the selected chores once the kid acknowledges completion in the app, and the money automatically transfers at the end of the allowance period. Here’s where to go:

  • Go to Allowance
  • The previously set Allowance features will show as “Pending” or “PayDay” for you to approve.

Just remember to use your Wallet as the source so the money gets instantly transferred, so be sure to always make sure your wallet has funds! You can set-up recurring contributions to keep it up-to-date.

What happens if my kid or teen does not complete their chore?

It depends on which feature, as the Parent/Guardian, you’ve activated. 

Set-It-and-Forget-It is an auto-pay feature that doesn’t require chores to be completed.

For You’re on Payroll,  if your Kid doesn’t complete at least one of their set chores, they will not be paid. You can reduce their overall allowance amount or remove chores at any time.

For Entrepreneur-in-the-Making, you can choose to only pay them the designated amount for each of the chores they’ve completed.

All of the Allowance features can be paused or removed at any time.  Each kid you have on the platform will also have their own unique chores.

  • Go to Allowance
  • The previously set Allowance features will show as “Pending” or “PayDay” for you to approve.

Just remember to use your Wallet as the source so the money gets instantly transferred, so be sure to always make sure your wallet has funds! You can set-up recurring contributions to keep it up-to-date.

Move Money

Is there a fee to send money to my Goalsetter friends and family?
No! There’s no fee to send and receive money to your friends and family who also use Goalsetter.
Can I send/receive money to and from my Goalsetter friends?
Yes! There are three ways to send and receive money in the app:
  • With someone in your household on the Goalsetter platform
  • With another Goalsetter user
  • With a non-Goalsetter user with a GoalCard (coming soon!)
How long does it take to send/receive money?

When you send money, we’ll show you the expected arrival date. The exact time depends on the transaction type, but typically it takes 1-2 business days.

Can I send money to my friends and family who haven’t joined Goalsetter yet?
No. They must have a Goalsetter account to receive money from you. (Invite them to join—problem solved!)