Bracket· Teen 13–17
Teen 13–17.
Ready for real-world money?
Teens with jobs, allowance, and their own P2P habits need something closer to a real bank account — direct deposit, fair fees, and useful controls. This bracket weights fees, parental controls, savings, and (for the first time) investing.
Ranked for Teen 13–17
16 cards- 01
Fidelity Youth Account
Visa debit$0/moNo monthly feeInvestingVerified July 20268.3/10 - 02
Greenlight
Mastercard$5.99–$19.98/moInvestingVerified July 20268.1/10 - 03
Cash App
Visa (Sutton Bank)$0/moNo monthly feeInvestingVerified July 20267.2/10 - 04
Chase First Banking
Visa$0/moNo monthly feeVerified July 20266.8/10 - 05
Acorns Early
Visa$5–$10/moInvestingVerified July 20266.7/10 - 06
Step
Visa$0/moNo monthly feeInvestingVerified July 20266.6/10 - 07
Capital One MONEY Teen Checking
Mastercard$0/moNo monthly feeVerified July 20266.5/10 - 08
BusyKid
Visa prepaid$48/yearInvestingVerified July 20266.5/10 - 09
Goalsetter
Cashola prepaid Mastercard (Pathward, N.A.)$3.95–$5.95/moInvestingVerified July 20266.5/10 - 10
Alliant Teen Checking
Visa$0/moNo monthly feeVerified July 20266.3/10 - 11
Current
Visa$0/moNo monthly feeVerified July 20266.3/10 - 12
Till Financial
Visa (Coastal Community Bank)Free core; $7.99/mo PremiumNo monthly feeVerified July 20266.2/10 - 13
FamZoo
Mastercard prepaid$5.99/mo per familyVerified July 20266.2/10 - 14
Modak Makers
Visa (Legend Bank)$0/moNo monthly feeVerified July 20266.0/10 - 15
Revolut Kids & Teens
Prepaid card (physical & virtual)Free with parent Revolut accountNo monthly feeVerified July 2026 (US terms under re-verification)6.0/10 - 16
Axos First Checking
Visa$0/moNo monthly feeVerified July 20265.8/10
Best for…
Editor's callouts
Best for independence
Fidelity Youth
Best parental controls
Greenlight
Best savings rate
Cash App
Best for working teens
Step
Scoring weights
How we weight this bracket
| Criterion | Kids | Teen | Young adult |
|---|---|---|---|
| Fees | 20% | 20% | 25% |
| Parental control | 25% | 15% | 0% |
| Savings | 10% | 15% | 20% |
| Security + FDIC | 20% | 15% | 15% |
| Investing | 0% | 10% | 20% |
| Education | 20% | 15% | 5% |
| Support | 5% | 10% | 15% |