True Link for banks
A purpose-built family banking suite — on your accounts, your cards, your balance sheet. Drive acquisition, deepen relationships, and grow deposits across every generation.
The Opportunity
Make your bank the financial home for parents, teens, and older adults in a single, connected experience – and earn the full household relationship.
Each teen user is a new account with new deposits - 10x youth accounts*
Caregivers are 70% more likely* to deepen their banking relationship when family needs are met
Head of households deepen their relationship by bringing thousands in new deposits to the bank within 6 months*
Hear from a partner
"At Huntington, we’re focused on helping people get more from their money by being a trusted resource during the moments that matter most—especially when it comes to caring for their families. This partnership allows us to serve the entire household as one connected relationship, bringing together the tools and protections people need in one place."
In the press
Integration
True Link powers your family banking experience from the inside. Fully white-labeled — no True Link branding, no linking to other apps. Just a seamless extension of your digital banking.
Product lives on your existing account structure. No new core banking required.
Deposits and interchange accrue to you from day one. With spend protections, see 40% higher account balances.*
Drops into your web and mobile app via SDK. Plugs into your existing processor authorization flow.
Family Banking Suite
Launch one segment or both. Either way, your bank becomes the financial home for the whole family.
Youth & Teen
Win younger households with spending tools parents want and teens will use
Features
Chores, allowance, budgets, and savings goals
Merchant and category controls set proactive guardrails
Real-time financial education tools
Impact
Acquire new customers and households
Win primacy with teens and the head of household
Create a path to long-term, multi-generational relationships
Older Adult
Extend financial independence with protection and family support
Features
Advanced spend protections to prevent unwanted spend
Automatically blocks scammy merchants
Alerts on unusual spend to older adult and trusted loved ones
Impact
Prevent $1,700 - $7,200 / year in unwanted spend
Protect and build trust with older adults who are targeted
Engage across generations to prepare for Wealth Transfer
Head of Household
Consolidate financial protections and oversight for the people they support
Features
Proactive spend protections for loved ones
Consolidated view of family finances
Alerts on risky or unwanted spend
Impact
Win primacy with mass affluent customers
Deposit growth within 6 months
Drives net-new customer acquisition
Feature Highlight
An AI researcher that identifies and blocks scammy, predatory, or low-quality merchants before they charge the card. True Link has screened and categorized over 3.8 million merchants to date.*
Launch a market-leading family banking offering that drives acquisition, grows deposits, and deepens household relationships.
Your brand front and center from start-to-finish.
A proven go-to-market playbook built on more than a decade of experience to drive adoption.
A lightweight integration with a straightforward path to launch.
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