Teen Banking
A first account, done thoughtfully.
A supervised account for teens with parental controls, spending insights, and savings goals.
Overview
About Teen Banking
OBS Teen Banking is a joint checking account for teens aged 13 to 17. A parent or guardian is a joint owner, with visibility, controls, and the ability to step in when it matters.
Teens learn everyday money habits with a real debit card, real balances, and real consequences, all inside a safe environment.
Fees
Fee schedule
- Monthly maintenance fee
- $0
Values shown are illustrative examples for this preview and do not constitute an offer, approval, or contractual quotation. Actual rates and fees depend on your profile, region, and eligibility.
How it works
Getting started
- 1
Open your OBS profile
Verify your identity and set up your account in a few minutes.
- 2
Add Teen Banking
Enable teen banking from your dashboard in one step.
- 3
Manage in one place
Everything lives inside your OBS profile, connected and searchable.
Eligibility
- Teen aged 13 to 17
- A parent or guardian with an OBS account
Requirements
- Photo ID for the teen where available
- Parent or guardian sign off
FAQs
Frequently asked
Still have a question? Message an OBS specialist from Secure Messaging any time.
Educational resources
Learn more before you decide
- Budgeting
Build a monthly plan that reflects how you actually spend and save.
Ready to begin
Open a Teen Account
Open your OBS profile and add Teen Banking in minutes.