Bank Accounts
Every account we track — consumer checking, high-yield savings, business banking, cash management and kids accounts — with the fees, APYs, plan tiers and fine print that decide where your money should live. Chasing a payout instead? See bank bonuses.
| Account | Type | APY | Monthly Fee | Plans | Rating | Best For |
|---|---|---|---|---|---|---|
| Fidelity Youth Account | Kids & Teens | Uninvested cash can sit in money market funds at prevailing rates | $0 | — | 9.0 | Investing-curious teens 13-17 whose parents already use Fidelity |
| Greenlight Greenlight Debit Card for Kids & Teens | Kids & Teens | 2% savings reward on Core, up to 6% on Family Shield (on up to $5,000 per family) | $5.99-$19.98 per family (up to 5 kids), no free tier | 4 tiers | 8.5 | Families with multiple kids who want serious parental controls and will use the platform features |
| Capital One MONEY Teen Checking | Kids & Teens | 0.10% | $0 | — | 8.5 | Families who want a free, no-strings kid account from age 8 that lasts into adulthood |
| Step Step Visa Card & Money Account | Kids & Teens | 3% savings reward with Step Black (paid as rewards, not interest); none on the free tier | $0; Step Black is $4.99, waived with $500+ monthly direct deposit | 2 tiers | 8.0 | Teens 13+ who want a free card that builds credit history before 18 |
| Acorns Acorns Early (formerly GoHenry) | Kids & Teens | None | $8 (Early Lite) or included in the $12 Acorns Gold subscription | 2 tiers | 7.5 | Acorns users who want kid debit cards and custodial investing under one subscription |
| Axos Bank First Checking | Kids & Teens | 0.10% | $0 | — | 7.5 | Teens 13+ who need a free, real bank account for paychecks and everyday spending |
| Chase First Banking | Kids & Teens | None | $0 | — | 7.5 | Existing Chase households introducing kids 6-12 to a first debit card |