Take their first step together.

Discover a kids savings account that’s all fun, no fees.

What’s a Kids Savings Account?

The online and mobile savings account that puts them first.

A kid-friendly account with grown-up features.

So they can save just like you.

A rate that makes the grade.

Move their savings to the top of the class.

Account Balance Annual Percentage Yield (APY)
All balances

APYs are variable and effective as of .

Read Disclosures

“I love that I can provide my kids some financial freedom. I can watch how careful they are with their school-related expenses and catch anything that falls through the cracks.”

Tommy Y., Jersey City, NJ

A highly-rated education.

Teach your kids how to make their allowance go further with high savings rates. Show them how their pennies add up (with interest) and watch their savings grow faster than in the piggy bank.

A safe way to learn.

Save confidently knowing your child’s funds are always secured. All Kids Savings Account deposits are FDIC-insured up to the allowable limits. And while they practice the banking basics, you’ll be able to stay connected through a joint account.

A top-rated app, with parental controls.

Kids Savings Account: 101

Unlock everything you need to know to open a Kids Savings Account today. For answers, just click the arrow next to each question below.

What access do kids have to their savings account?

Children’s savings accounts offer dual access so you can learn to save together. Kids can sign in and check their balance online 24/7, but transferring money requires a little help from the adult on the account. You’ll have to sign in using your username and password in order to actually move money in or out of their savings.

What access do adults have to the Kids Savings Account?

How do kids make a deposit?

How do I make transfers?

Can the Kids Savings Account link to other accounts?

How many withdrawals are allowed per month?

What is the difference between a joint Kids Savings Account and a trust?

Can I open a Kids Savings Account at a Capital One® location?

Can I add beneficiaries to a Kids Savings Account account?

What happens to the Kids Savings Account when the child turns 18?

As we begin to reopen Capital One branches and Cafés, you’ll notice some new additions in our spaces to continue to keep our customers safe from health risks. You can still access ATMs inside branches that haven’t yet reopened, and in external vestibules at both branches and Cafés. You can also access our ATMs at select Target® locations. Please use this search to check the status of locations near you.

See what other Capital One customers are saying.

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The rate of our Kids Savings Account is great or high interest based on Informa Research services national top-25 percentile data for savings accounts on balances of $1.

Web access is needed to use mobile banking. Check with your service provider for details of specific fees and charges. Routine or unscheduled maintenance may impact accessibility. Mobile deposits are available only in the U.S. and U.S. territories.

Questions? Get real answers from real people.

Phone, social media, Morse code (okay maybe not Morse code). Talk to a Capital One associate today–no SOS required.

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