Capital One MONEY: fees, parental controls & FDIC status

Official pricing snapshot Kids (6–12) Teens (13–17) Last updated:

Capital One MONEY is a fee-free teen checking account (ages 8+) that pays interest and keeps working after the teen turns 18; deposits are held directly at Capital One, N.A., with no intermediary fintech.

Every figure on this page is sourced to an official document — see how in our methodology. Research information only, not financial advice.

Fees

monthly
$0 (no monthly or maintenance fees)

FDIC coverage, verified

Partner bank
Capital One, N.A.
FDIC certificate
4297
Insurance status
Active

Checked against the FDIC BankFind registry by certificate number — not the app's marketing copy.

Change log

Detected from official filings and pricing pages — most recent first.

  1. Official pricing page changed — pricing page content changed (https://www.capitalone.com/bank/checking-accounts/teen-checking-account/)
  2. Official pricing page changed — pricing page content changed (https://www.capitalone.com/bank/checking-accounts/teen-checking-account/)
  3. Official pricing page changed — pricing page content changed (https://www.capitalone.com/bank/checking-accounts/teen-checking-account/)
  4. Official pricing page changed — pricing page content changed (https://www.capitalone.com/bank/checking-accounts/teen-checking-account/)
  5. Official pricing page changed — pricing page content changed (https://www.capitalone.com/bank/checking-accounts/teen-checking-account/)
  6. Official pricing page changed — pricing page content changed (https://www.capitalone.com/bank/checking-accounts/teen-checking-account/)
  7. Official pricing page changed — pricing page content changed (https://www.capitalone.com/bank/checking-accounts/teen-checking-account/)
  8. Official pricing page changed — pricing page content changed (https://www.capitalone.com/bank/checking-accounts/teen-checking-account/)

CFPB complaints

0 complaints on record at the CFPB for Capital One MONEY, by product:

Frequently asked questions

Is Capital One MONEY FDIC insured?

Yes — deposits sit directly at Capital One, N.A., FDIC certificate 4297, an active FDIC member verified against the BankFind registry.

How much does Capital One MONEY cost?

Nothing monthly — Capital One's product page states there are no monthly or maintenance fees, even after the teen turns 18 (snapshot on file).

Sources

Compare this card with the others in the card directory.