Ohio-based Cardinal Credit Union has partnered with Bits of Stock, a New York-headquartered platform, to enable checking account holders aged 18 to 28 to earn stock rewards on every Visa debit card purchase, effective September 3, 2025. This initiative aims to assist young members in building wealth early while enhancing their financial literacy. Once enrolled, members will automatically accumulate rewards that can be converted into fractional shares of selected publicly traded companies. They will gain access to a brokerage-style dashboard provided by Bits of Stock, where they can execute trades and oversee their investment portfolios. The new program is integrated within Cardinal Credit Union’s existing digital banking platform, which is powered by California-based cloud-native banking solutions provider Lumin Digital. Christine Blake, CEO of Cardinal Credit Union, stated that the partnership with Bits of Stock is designed to help student and younger members establish a strong financial foundation by making investing accessible and rewarding. She added that there is significant value in this program as it encourages early adult education on accumulating assets and building wealth. Cardinal Credit Union, a member-owned not-for-profit financial cooperative with a 72-year operating history, serves over 20,000 members through seven branches in Northeastern Ohio. The institution offers a range of banking services, including checking accounts, CDs, credit cards, auto loans, personal and business loans, bill payments, and mortgages. Founded in 2019, Bits of Stock provides financial institutions with a platform to offer fractional shares as rewards. Its expanding client roster includes Strata Credit Union, Jack Henry, and Alliance Credit Union. The fintech recently gained industry recognition as one of six Demo Best of Show winners at this year’s FinovateSpring event in San Diego.