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The piggy bank, reimagined.
MemoryBank is a child-first financial dashboard — a secure, view-only place where kids can explore their real savings and investment accounts, never trade them. Everything you need to write about us is on this page.
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MemoryBank is a secure, view-only dashboard where kids can explore their money — never trade it.
MemoryBank is a child-first financial dashboard that brings a child’s savings and investment accounts into one secure, read-only experience — plus Penny, an AI money mentor that answers kids’ questions in language they actually understand. It turns real accounts into an engaging way to build financial confidence early.
MemoryBank is a child-first financial dashboard that helps families organize and understand their child’s savings and investment accounts in one secure, read-only platform. By bringing every account together with Penny, an AI money mentor for kids, MemoryBank helps children build financial confidence through real-world investing. Rather than replacing banks or brokerages, MemoryBank transforms existing account information into an engaging educational experience that teaches the principles of saving, investing, and long-term wealth building. The platform is intentionally read-only: it cannot trade, transfer, or withdraw — families continue working directly with their financial institutions.
Founders
MemoryBank was founded by Josh and Johanna Ackerman — parents who wanted their own kids to grow up watching their investments grow, rather than discovering the accounts as a surprise at 18.


Hi-res headshots and full bios available on request — press@mymemorybank.app.
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Penny
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A few things to get right
- Read-only, always. MemoryBank cannot buy, sell, transfer, or withdraw. It is a secure window into accounts held at the family’s own institutions.
- We connect, we don’t custody. Money stays at the family’s banks and brokerages. MemoryBank never holds funds.
- Penny is an educational money mentor, not a financial advisor. She explains; she never recommends what to buy, sell, or hold.
- The name is one word: MemoryBank (legal entity: ACK LABS LLC, dba MyMemoryBank).
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