# ETM Machine > Digital credit card system for educational behavior incentives and financial literacy. (iPhone/iPad app by Educational Classroom Systems.) - Source: https://appshunter.io/ios/app/etm-machine/id1317691778 (this page in markdown: same URL + `.md`) - Developer: [Educational Classroom Systems](https://appshunter.io/developer/1659230720) - Category: Education - Price: Free - Rating: 3.60/5 from 7 App Store ratings · 7 written reviews indexed - Age rating: 4+ - Requires: iOS 10.0 · 24 MB - Languages: American English - Released: 2018-03-07 - Data updated: 2026-06-01 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/etm-machine/id1317691778/reviews.md ## What is ETM Machine? 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 www.EducationalClassroomSystems.com website for more details. This app is a FREE download. Visit the www.EducationalClassroomSystems.com 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 www.EducationalClassroomSystems.com website. • Utilizes U.S. currency. Future updates will provide additional world currencies. • There is no advertising at all. ## Key features - Digital credit card system - Behavior incentive program - Financial literacy education - Reusable QR-coded cards - Customizable cards and accounts - Online management portal ## Recent user reviews (7 of 7) All indexed reviews: https://appshunter.io/ios/app/etm-machine/id1317691778/reviews.md ### 1/5 — Not good *2025-09-17* The app automatically logs off after every entry. Not functionally useful. ### 3/5 — Stability could be better with cellular use *2025-03-13* In our school environment a number of users have issues with crashing while using cellular data. This has apparently been an issue for some time . I hope this issue can be corrected soon. The website works better than the app but it is clunky and not optimized for mobile use. ### 5/5 — very nice *2024-12-13* lol ### 2/5 — Needs Updates *2024-08-03* Freezes and is always closing out of app ### 2/5 — Needs updates *2021-09-02* I was excited about this, but am disappointed by the apps lack of realistic use. 1. The app crashes. I have yet to be able to log in using the app, nor have any of the other teachers. We have had to use the website. 2. They do not have a way for students to check their balance online. As of now there work through is that you can create a separate account that you would be responsible for logging in daily where the students can scan in. I have no option on real life to scan in to check my balance. I can check it in by logging in online, but not scan in. 3. There are free options that are more realistic and easier to use. Mykidsfreebank allows students to check their balance online independently. If you have several students who receive the same amount of points, you can mass deposit the same amount of points cutting down the time. In order to do that in ETM, you would have to great groups, which would be time consuming. 4. The card isn’t that educational. It’s just the same numbers on the front. It isn’t the greatest teaching tool. I get more out of having gift cards for students to make purchases with in real life (e.g., check balance online, make a “deposit” by refilling the card, sliding the card in the card reader). I hope there will be changes. I found this program and requested to pilot it in our district with the purpose to see if it could be used across our whole district. I’m pretty embarrassed because usually what I suggest is impressive. ### 4/5 — Excited *2021-03-08* I’m super excited to use this with my students. However, while it works alright with voice over, there could be some accessibility updates made. The biggest thing I wish it had was an audible sound when you scan the card! My students are blind and it would really be helpful. ### 5/5 — Great tool for classroom *2020-09-03, version 1.4* Students love carrying the ETM card. No more losing paper tokens! ## Frequently asked questions about ETM Machine ### What is ETM Machine? ETM Machine is a digital credit card system designed for educational purposes. It helps teach financial literacy and promotes good behavior by replacing traditional rewards with a modern, card-based system. ### How does ETM Machine teach financial literacy? It provides users with real-world experiences in managing money through a digital credit card system. Users can learn about deposits, withdrawals, and purchases within a controlled educational environment. ### Can I customize the ETM Cards? Yes, you can choose from standard ETM Card designs at no extra cost or create customized cards to your liking. Each card features a unique QR code for identification. ### Is ETM Machine available on multiple devices? Yes, ETM Machine is designed for use on all mobile devices, tablets, and computers, including iPhones, iPads, and iPods. ### Does ETM Machine have ads? No, ETM Machine is ad-free. The app explicitly states there is no advertising at all. ### What is the update frequency for ETM Machine? The app was last updated on February 17, 2020, with version 1.4 released on March 7, 2018. Future updates are planned to include additional world currencies. ### How secure is student information in ETM Machine? All student information is safe and secure. Login users have administrative control over the data within the system. ### Where can I find tutorial videos for ETM Machine? Tutorial videos are available on the www.EducationalClassroomSystems.com website, which also provides more details about the online ETM Machine®. ## Version history (last 5 releases) ### 1.4 — 2020-02-17 Bug fixes ### 1.3 — 2018-05-23 Bug fixes ### 1.2 — 2018-04-27 Description updated ### 1.1 — 2018-03-20 Bug fixes ### 1.0 — 2018-03-07 No release notes. ## Apps similar to ETM Machine | App | Rating | Price | Category | | --- | --- | --- | --- | | [GMAT Practice Test Prep](https://appshunter.io/ios/app/gmat-practice-test-prep/id1466940360) | — | Free | Education | | [Demon Connect](https://appshunter.io/ios/app/demon-connect/id1477666400) | 4.5 (61) | Free | Education | | [向上学生 – 小学生学习好帮手](https://appshunter.io/ios/app/id1469182240) | — | Free | Education | | [生物记](https://appshunter.io/ios/app/id1468297340) | — | Free | Education | | [КъэбарышӀур](https://appshunter.io/ios/app/id1479561360) | — | Free | Education | | [CBC Highlands](https://appshunter.io/ios/app/cbc-highlands/id1475147920) | 4.3 (6) | Free | Education | ## Related topics [etm machine](https://appshunter.io/ios/topics/etm-machine) · [etm app](https://appshunter.io/ios/topics/etm-app) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-01.*