The Bank of Tomorrow is an interactive websites for kids to manage the money they receive from their parents. The parents can monitor and control the allowance their child receives through their existing online banking service. The unique aspect of Bank of Tomorrow is that we provide the child with a simulated line of credit which, in reality, is controlled by the parents. Kids get to use a card to make purchases and are rewarded for paying their online bills while being penalized for irresponsible spending. In this way, children can learn the hard lessons of credit spending in a safer environment while developing basic check writing, bill paying, planning and money management skills.