The teen segment is where $0 options dominate. Step (no monthly fee, credit building before 18), Current ($0 base plan), Capital One MONEY ($0, keeps working after 18), Axos First Checking ($0, joint account 13-17) and Cash App (13+ with a parent sponsor) all charge no monthly fee — while Greenlight and Acorns Early carry their kids plans into the teen years with heavier parental controls.
Two things separate these products beyond the fee line. First, where the money actually sits: Capital One MONEY and Axos are accounts at the chartered bank itself; Step, Current and Cash App are fintech layers over partner banks (Evolve Bank & Trust, Choice Financial Group, and Block’s partner banks respectively — each fiche links the FDIC BankFind record). Second, the complaint record: our fiches show CFPB Consumer Complaint Database counts per company, and the spread is wide.
Fees and claims on every page are sourced to the official CFPB agreement or a dated snapshot of the issuer’s pricing page — never to a sponsored roundup.