A Debit Card for Teens—With You By Their Side
Real-world money management starts here - with the control you want and the freedom they need.
Fill out the form, and we’ll walk you through every step.How It Works
- Kids 14+ with a valid ID may apply with a parent/guardian.
- Kids under 14 may be approved with manager permission (e.g. job).1
- Joint checking account required; parent/guardian must co-sign.
- $100 minimum opening deposit to get started.
- $0 monthly balance fee in service charge.2
Key Features
For Parents
- View transactions
- Automate allowance & chore payment
- Lock/unlock card from phone
- Peace of mind with lower card limits
For Kids & Teens
- Use online & in-store safely
- Track spending & saving
- Access earnings from jobs and chores
- Add to Apple Pay or Google Pay
| Feature | Teen | Parent |
|---|---|---|
| View Balance | ✅ | ✅ |
| Spend Online | ✅ | — |
| Lock/Unlock Card | ✅ | ✅ |
| Transfer Funds | ✅ | ✅ |
| Real-Time Alerts | ✅ | ✅ |
| Add to Mobile Wallet | ✅ | — |
Ready to get your kids started with their first debit card?
FAQs
What age can my child get a debit card?
Children 14 and older with valid ID (e.g. Birth certificate, Social Security Card, Passport, State-issued ID card or driver's license).
Children under 14 may be approved with manager permission on a case-by-case basis.
What if they lose the card?
You can lock it instantly in the app and request a replacement card.
Does this build credit?
No, this is a debit card only. It teaches money management without affecting credit.
Are there any fees for the youth debit card?
The minor debit card has no monthly balance fee in service charge. Standard transaction fees may apply for certain services like ATM usage outside our network.
What are the spending limits for minor debit cards?
These cards come with lower spending limits to encourage responsible use—typically $310 for ATM withdrawals and $510 for point-of-sale (POS) purchases.
Let’s Start a Conversation
Complete the form and an banker will follow up with you promptly.
This form is intended for use by a parent or legal guardian. Please do not submit personal information directly from children under 13. Midstates Bank complies with the Children’s Online Privacy Protection Act (COPPA).
1 Midstates Bank does not knowingly collect personal information from children under the age of 13, in accordance with the Children’s Online Privacy Protection Act (COPPA). Prior to collecting any personal information from users under 13, verifiable parental consent is obtained through approved mechanisms, as required by COPPA guidelines. For more information, please refer to our Privacy Notice.
2Other fees may apply. Fees could reduce earnings.
Midstates Bank is a full-service financial institution with branches throughout western Iowa.