Bracket· Young Adult 18–25
Young adult 18–25.
First bank, first credit, zero fees?
The first grown-up account. Parental controls stop mattering; fees, investing, credit-building, and human support move up. This bracket weights fees most heavily and drops parental controls to zero.
Ranked for Young Adult 18–25
5 cards- 01
SoFi Checking & Savings
Mastercard debit$0/moFDICNo monthly feeInvestingVerified July 20268.0/10 - 02
Capital One 360 Checking
Debit card$0/moFDICNo monthly feeVerified July 20267.7/10 - 03
Chime
Visa$0/moFDICNo monthly feeVerified July 20267.5/10 - 04
Varo Bank
Visa$0/moFDICNo monthly feeVerified July 20267.4/10 - 05
Step
Visa$0/moFDICNo monthly feeInvestingVerified July 20267.2/10
Best for…
Editor's callouts
Best overall
SoFi Checking & Savings
Best credit builder
Chime
Simplest savings
Capital One 360 Checking
Best before 18
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% |