{"account":{"slug":"axos-first-checking","bank":"Axos Bank","name":"First Checking"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.axosbank.com/personal/bank/teen-bank-account/first-checking","history":[{"date":"2026-06-11","apy":"0.10%","monthlyFee":"$0","minimumOpen":"None ($50 initial deposit suggested)","atm":"95,000+ fee-free ATMs plus up to $12/month in out-of-network ATM fee reimbursements","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"Not stated on the official product page","monthlyFee":"$0","minimumOpen":"Not stated on the official product page","atm":"$100 daily cash withdrawal limit; no ATM fee reimbursement advertised","note":"Confirmed $0 monthly fee, no overdraft fees, ages 13-17 (18 in Alabama) with adult co-owner, and $100 cash / $500 point-of-sale daily limits; the page no longer states the 0.10% APY, opening deposit or ATM reimbursement, so those claims were withdrawn","sourceUrl":"https://www.axosbank.com/personal/bank/teen-bank-account/first-checking","sourceLabel":"Axos First Checking product page"}],"verificationEvents":[{"id":"eefe9fb5-4637-45fc-9cd5-076e0d1eb64d","entityType":"bank-account","slug":"axos-first-checking","checkedAt":"2026-10-23T02:33:07.327Z","recordedAt":"2026-10-23T02:33:07.327Z","sourceUrl":"https://www.axosbank.com/personal/bank/teen-bank-account/first-checking","sourceLabel":"Axos First Checking","outcome":"confirmed","summary":"Guide-only check: 13-17 or through 18 in Alabama, adult joint owner, no monthly or overdraft fee, $100 cash and $500 purchase daily limits. APY and ATM reimbursement not published; neither asserted. Full-record date retained.","changedFields":[],"previousHash":"7ba01ce0046f8da3ec96edc37148ea219d64ecb26f70d367080b24b4b625cbc7","recordHash":"b1f6b039216860393f7fafcbb3ff7e6765a847861b8f615325d0287832cfb4ad"},{"id":"64946230-21a4-42e4-968d-2e2f72118cde","entityType":"bank-account","slug":"axos-first-checking","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:18.604Z","sourceUrl":"https://www.axosbank.com/personal/bank/teen-bank-account/first-checking","sourceLabel":"Axos First Checking product page","outcome":"changed","summary":"$0 fee, no overdraft fees, ages 13-17 and $100/$500 daily limits confirmed; the page no longer states the 0.10% APY, opening deposit or ATM reimbursement, so those claims were withdrawn","changedFields":["apy","minimumOpen","features","atm","pros","cons","ourTake","tagline"],"facts":{"monthlyFee":0,"overdraftFee":0,"dailyCash":100,"dailyPOS":500,"apy":null},"previousHash":"a82b1ca205c3595f15bb987beb24f039fa8ac3a96e04bb660c0860f2c214bfc6","recordHash":"c5d9399ddc18a490752a0a88dc78af45b7fb2bb6dabef4836e85180060e7569e"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}