You have to add at least $25 to get the account started. After that, you can add as little as $10 at any time. Money can be added to the cash option and/or invested. If you decide to make an investment, at least 10% of your total funds need to be invested in one of the three investment options: ABLE Conservative, ABLE Moderate or ABLE Aggressive. Don’t forget: You’ll need the bank login information, or account and routing number to set it up.