Six of the card programs in our index accept kids in the 6-12 range: Greenlight ($5.99/mo Core, up to 5 kids), Acorns Early ($5/mo for 1 kid, $10 for up to 4), FamZoo ($5.99/mo pay-as-you-go), Kachinga ($3/mo per child), Chase First Banking ($0 with a parent Chase account) and Capital One MONEY ($0, ages 8+).
The structural choice at this age is prepaid program vs. bank-held kids account. Greenlight, Acorns Early, FamZoo and Kachinga are fintech programs whose deposits sit at a partner bank (each fiche links the FDIC BankFind record by certificate number). Chase First Banking and Capital One MONEY are held directly at the chartered bank — no intermediary — but require or favor a parent relationship with that bank.
Every fee on these pages comes from the issuer’s CFPB prepaid account agreement or a dated snapshot of the official pricing page, and each fiche shows a change log when an issuer files a new fee schedule.