A credit card system for educational purposes that promotes good behavior and teaches financial literacy. Become a leader in providing an exciting tool that will give individuals of all ages real-world experiences for lifelong learning!

Enhance your behavior incentive program. Teach money and banking skills through real-world practices. For use on all mobile devices, tablets and computers.

Get rid of the costly traditional paper rewards, stickers and tokens! Replace them with reusable plastic cards called ETM Cards. Each ETM Card uses a unique QR code that identifies each card holder. You can choose from the standard ETM Card designs at no additional cost or create customized cards to your liking. Share your login with other family members or faculty so they can also give rewards to each card holder. Visit the website for more details.

This app is a FREE download. Visit the website to learn more about the online ETM Machine®. The online ETM Machine® provides you and other login users with the ability to deposit and withdraw amounts for behaviors and purchases. Set up customized classroom settings and individual accounts for your entire classroom, group or school/facility. Print out statements. Use the library of behaviors, rewards and purchases or create your own.

• All student information is safe and secure. Login users have administrative control.
• Tutorial videos are available on the website.
• Utilizes U.S. currency. Future updates will provide additional world currencies.
• There is no advertising at all.

What’s New

Version 1.3

Bug fixes

Ratings and Reviews

4.0 out of 5
1 Rating

1 Rating


Delmarva Technologies, LLC
25.1 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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