To see a phone friendly PDF of these charts click here.
Non-Custodial Youth Accounts (for young persons only)
| Financial Institution | Account Name ** Online Account Opening Capability | Monthly Fee | Minimum Deposit | Minimum Age | ATM Languages | Out of Network ATM Fees |
| First Convenience Bank, a division of First National Bank Texas | Youth Account Flex Account** | No Fee (Account is for ages 15-21 only) | $0 | 15 | English, Spanish | $2.50 |
| Rio Grande Credit Union | Youth Account CU Succeed** | No Fee (Account is for ages 13-17 only) | $25.00 | 13 | English, Spanish | No Fee (Fees may be charged by the out-of-network ATM) |
Accounts with Non-Custodial Options
| Financial Institution | Account Name ** Online Account Opening Capability | Monthly Fee | Minimum Deposit | Minimum Age | ATM Languages | Out of Network ATM Fees |
| Wells Fargo | Clear Access Banking** | $5.00 (waived for primary account owners 13-24 yrs old; or qualifying deposits of $250+ after 10/25/2025) | $25.00 | 17 13-16 with adult co-owner | English, Spanish, Chinese, Hmong, French, Korean, Russian, Vietnamese | $3.00 |
Accounts with Parent or Guardian Co-signer
| Financial Institution | Account Name ** Online Account Opening Capability | Monthly Fee | Minimum Deposit | Minimum Age | ATM Languages | Out of Network ATM Fees |
| Bank of Albuquerque powered by BOK Financial | Opportunity Banking** | $5.00 | $25.00 | 18 16 with parent/ guardian | English, Spanish | $2.00 |
| BMO | Smart Money | $5.00 (waived, if under age 25) | $25.00 | 18 13 with parent/ guardian | English, Spanish (depending on location) | $3.00 |
| Nusenda Credit Union | Breeze Account** | $5.00 (waived, if under age 21) | $25.00 | 18 15 with an adult guarantor | English, Spanish | $1.50 |
| PNC | Foundation Checking | $5.00 (waived, if under age 21 or over age 62) | $0.00 | 18 16 with an adult guarantor | English, Spanish, German, Chinese (Mandarin) Vietnamese, Italian, Japanese, Korean, Polish and Portuguese | $3.00 |
| Sunward | Simple Spend** | $0.00 | $0.00 | 18 Under 18 – any age with an adult as a joint owner. | English, Spanish | No Fee (Fees may be charged by the out-of-network ATM) |
| WaFd | Fresh Start | $4.00 | $25.00 | 18 13-17 with adult co-owner | English Spanish | No Fee (Fees may be charged by the out-of-network ATM) |
Is being able to view your financial accounts immediately on your phone important to you?
Great! That’s a good habit to start and most banks and credit unions have a mobile app for logging in to check your balance, confirm your deposits, and to verify where you spent your money.
Would you like to be able to send money to your friends?
Most credit unions and banks have a mobile banking app that use a free payment platform like Zelle or iPay to send money to your friends or family easily and quickly.
Connecting digital wallets like Cash App, Venmo, Paypal, or Apple Wallet, is also an option and recommended for making purchases or sending funds to someone you don’t know.
Are there times when you need to make sure to have some cash on hand but you are worried about carrying too much cash around?
Banks and credit unions have ATM machines or are part of a shared network where you can withdraw cash safely when you need it. Check the website for the bank or credit union you are considering to see their in-network ATM locations if this is something that is important for you.
Remember that Bank On certified accounts DO NOT have in-network ATM fees. Access is free and unrestricted in-network.
In-network means that the ATM is owned by the financial institution you bank with or is part of a CO-OP or network. See the chart above for out-of-network fees.
Some more reasons to build a financial relationship with a bank or credit union:
Your money is insured which means that if the bank or credit union were to close your money is guaranteed safe.
Your funds are protected from fraud and if your account information or debit card is stolen a bank or credit union representative is there in person at a branch close to you to help figure things out and get you back on track.
This can be an important first step in reaching your other financial goals such as getting an emergency or car loan, or building your savings account for other purchases and big occasions.