Navy Federal Go Prepaid is easy.

The best one is the one tied to your bank - then you can see their account on your app, deal with issues at your regular bank, etc.

Anonymous wrote:Apple Cash has been super easy if your child has a phone.

My 13 yo showed me how to set it up and send her money since her friends use it. It’s really convenient when she goes out to lunch or to Starbucks.

Anonymous wrote:Capital One has a great debit card program for kids. I have a ton of control and full visibility through the app. On the kids side of the app, they can set aside money to save or spend.
All free. No fees.

NP. Been considering this, but my kid is not great with money management (we are working on this), and I fear he may overspend what he has in his account. Can't find a clear answer on the Capital One site (sounds like they try not to permit it, but might and if they do you are liable), but any idea if they will let him go negative? I've always avoided debit cards for fear of fraud and overdraft.

Capital One has a great debit card program for kids. I have a ton of control and full visibility through the app. On the kids side of the app, they can set aside money to save or spend.
All free. No fees.

Apple Cash has been super easy if your child has a phone.

We have USAA and opened an account in our kid's name, which is attached to ours. He has an iPhone so I transfer money using Apple Cash and can track his spending, add $ when needed, etc.

bank of america

See if your bank or credit union offers “student” checking accounts. That makes it easier for you to transfer money back and forth, they’ll get a debit card for spending, and they can use it on into their college years.

Many student accounts also offer apps to help kids track and budget their spending. So they can see at a glance just how much of their allowance went to Starbucks last month!

I use capital one's Money teen checking account. I get a text when it is used and he can use the app to login just like I do

I got an email from Venmo about some kid app and debit card they were offering. I meant to look more into it. Google it.

We used the GreenLight card for a little while and it was fine, app worked well and kid had no issues using the card (Mastercard), but we disliked the monthly fee and the constant messages about using the app to start investing, etc etc. We switched to the Capitol One teen card and have been very pleased. No fees, no constant upsell to engage with other products, no issues whatsover.

I’ve read about this but not used it
https://tarathueson.com/iphone-apps-greenlight/

We got one through Chase, so far, no issues.

For small purchases--food, Starbucks etc. TIA.