{"account":{"slug":"fidelity-youth-account","bank":"Fidelity","name":"Youth Account"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.fidelity.com/go/youth-account/overview","history":[{"date":"2026-06-11","apy":"Uninvested cash can sit in money market funds at prevailing rates","monthlyFee":"$0","minimumOpen":"None","atm":"Fidelity reimburses all ATM operator fees, anywhere","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"Uninvested cash can sit in money market funds at prevailing rates","monthlyFee":"$0","minimumOpen":"None","atm":"All ATM charges reimbursed per Fidelity ATM/Debit Card Reimbursement Schedule","note":"Reconfirmed ages 13-17, $0 fees and minimums, parent retail Fidelity account requirement, parent inquiry-only access, and full ATM reimbursement; corrected protection to SIPC (the page does not claim FDIC coverage) and added the 60-day conversion window at 18","sourceUrl":"https://www.fidelity.com/go/youth-account/overview","sourceLabel":"Fidelity Youth Account overview, FAQs and features-by-account page"},{"date":"2026-10-23","apy":"Uninvested cash can sit in money market funds at prevailing rates","monthlyFee":"$0","minimumOpen":"None","atm":"ATM charges reimbursed for Youth Accounts using the Fidelity debit card, subject to the card agreement","note":"Scoped review clarified optional debit card, account fees versus investment costs, parent oversight and ability to request trading suspension, simultaneous parent-account setup and required conversion at 18. Removed unsupported debit-card-only mode and absolute free-investing claims. October 12 full-record verification and earlier history retained.","sourceUrl":"https://www.fidelity.com/go/youth-account/faqs","sourceLabel":"Fidelity Youth FAQ, parent agreement, overview and card/commission schedules"}],"verificationEvents":[{"id":"c19744ad-836b-4a32-8f7f-ef3caab55d8b","entityType":"bank-account","slug":"fidelity-youth-account","checkedAt":"2026-10-23T10:51:50.197Z","recordedAt":"2026-10-23T10:51:50.198Z","sourceUrl":"https://www.fidelity.com/go/youth-account/faqs","sourceLabel":"Fidelity Youth FAQ, parent agreement and pricing disclosures","outcome":"changed","summary":"Scoped correction of optional debit card, investment-cost wording, parent oversight and required conversion at 18; full-record date retained.","changedFields":["tagline","features","atm","pros","cons","ourTake","bestFor","termHistory"],"previousHash":"64c58ad5141201c566601e9922fcbb29345fec830e8a1681541b048757b92928","recordHash":"624aa3dc189758e9d202106f7837fb9dd48221c82a6d95d711d3eeca36182750"},{"id":"c18c516a-463a-4b20-b02b-0c755ab9a837","entityType":"bank-account","slug":"fidelity-youth-account","checkedAt":"2026-10-23T02:33:07.251Z","recordedAt":"2026-10-23T02:33:07.251Z","sourceUrl":"https://www.fidelity.com/go/youth-account/overview","sourceLabel":"Fidelity Youth overview","outcome":"confirmed","summary":"Guide-only check: ages 13-17, teen-owned brokerage, parent account required, optional debit, no account fees or minimum and 60-day conversion action at 18. Full-record date retained.","changedFields":[],"previousHash":"62d5f20180c371e70ff9f2a985c6ca22a3ed503f6329d713a943d2b8297909a9","recordHash":"7ba01ce0046f8da3ec96edc37148ea219d64ecb26f70d367080b24b4b625cbc7"},{"id":"89a4bd16-a51f-4aa4-9e23-50e8bef2befe","entityType":"bank-account","slug":"fidelity-youth-account","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:18.816Z","sourceUrl":"https://www.fidelity.com/go/youth-account/overview","sourceLabel":"Fidelity Youth Account overview, FAQs and features-by-account page","outcome":"changed","summary":"Ages 13-17, $0 fees, parent Fidelity account requirement and full ATM reimbursement confirmed; protection corrected to SIPC only and 60-day conversion window at 18 added","changedFields":["fdic","features"],"facts":{"ages":"13-17","fees":0,"atmReimbursement":"all","protection":"SIPC"},"previousHash":"2b9b38cdb7b9b1eff2e2266f973f56b43e5d2bfd3d27c9e940b6919a9195d396","recordHash":"7527e14798edfb72ec1e821aca09d89a4c130e1afa21c800c20f30581e63aa34"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}