6 more

Last Updated: 01/21/2026

Copper

from Copper

Last Updated: 01/21/2026

Strongly recommended17 total votes

17 users recommend

Community Recommended Products

View All

Strongly recommended43 Reviews

Learn More

Strongly recommended105 Reviews

Learn More

Strongly recommended147 Reviews

Learn More

Compare All Checking Accounts

Filter & compare all your options in one place.

View All Products

Highlights

Community Rating

Strongly recommended

Welcome Offer

$5(Verified 06/21/2024)

Disclaimer popup with additional information

Rewards

N/A

APY (Annual Percentage Yield)

0.001%(Verified 06/21/2024)

Disclaimer popup with additional information

Monthly Maintenance Fee

$0(Verified 01/21/2026)

Disclaimer popup with additional information

Number of Reviews

Copper Review

The Copper is offered by Copper, a nonbank financial services provider founded in 2019 and based in SEATTLE, WA. Copper is available in 50 states and Washington, DC.

Key Takeaways

A signup bonus for teens of $5. Additionally any parent or teen can refer a friend and get $3 per referral.
Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.001% .
No monthly maintenance fees. This account does not charge any monthly account fees.
No minimum initial deposit. There is no minimum balance required to open an account online.
No ATM fees. Copper does not charge fees on ATM transactions.

Copper Pros & Cons

Pros

Cons

Helps teach children and teenagers responsible saving and spending.
Offers a $5 bonus offer.
Available in 50 states and Washington, DC.
Interest-yielding account.
Debit card and the option to lock/unlock the card if lost or stolen.
No charge on incoming domestic or international wire transfers.

You must transfer funds digitally to avoid fees.
Online-only account with no access to physical branches.
Does not provide access to a nationwide ATM network.

Copper FAQ

Are checking accounts from Copper federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #1299). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Copper offer?

Copper Rates & Terms

Description

APY (Annual Percentage Yield)

0.001%

Copper currently offers an APY of 0.001% (APY stands for annual percentage yield; rates may change).

What are the account minimums for Copper?

Copper does not require a minimum initial deposit.

Copper Minimums

Description

Minimum Opening Deposit

What fees does Copper charge?

The good news is that this account does not have a monthly service charge.

Copper Fees

Description

Monthly Maintenance Fee

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network

Starting at $0

Overdraft Item Fee

Starting at $0

Early Account Closure

Starting at $0

Returned Deposit Fee (Domestic)

Starting at $0

Card Replacement Fee (Standard Delivery)

Starting at $0

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $0

Foreign Transaction Fee (Debit Card)

Starting at 0%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $0

Wire Transfer Fee - International (Outgoing)

Starting at $0

Wire Transfer Fee - International (Incoming)

Starting at $0

Returned Deposit Fee (International)

Starting at $0

Wire Transfer Fee - US Domestic (Incoming)

Starting at $0

Does Copper charge overdraft fees?

No, Copper does not charge overdraft fees.

What features and perks does Copper offer?

This account includes the following features:

A signup bonus for teens of $5. Additionally any parent or teen can refer a friend and get $3 per referral.
Fraud monitoring - Copper monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Mobile banking services - Copper allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for Copper?

The customer support email for Copper is support@getcopper.com.

How do people rate the customer service and user experience of Copper?

Overall, Copper is strongly recommended based on community reviews that rate customer service and user experience.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Copper

Copper banking sets itself apart from other debit cards for kids and teens by putting more focus on teaching users financial literacy skills. This app and debit card were created specifically for teens—educational resources are intended to be engaging and helpful to young audiences, and the app

Contact

Headquarters

3601 FREMONT AVE N.

SEATTLE, WA 98103

Visit Site

Email Support

Hours of Operation

Sunday10:00AM - 5:00PMMonday10:00AM - 5:00PMTuesday10:00AM - 5:00PMWednesday10:00AM - 5:00PMThursday10:00AM - 5:00PMFriday10:00AM - 5:00PMSaturday10:00AM - 5:00PM

Other Services by Copper

Side Jobs

Be the first to rate

Availability

Available in 50 states and Washington, D.C.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.

+100

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Reviewer Sentiment Over Time

Copper Community Reviews

Would you recommend Copper to your friends?

Eshaal Y.

Jul 20, 2023

Would Recommend

I love this concept of Copper banking and this business!! It helps teens learn basic banking and finance very smoothly. It also helps parents regulate what their teen purchases. You only need $10 to open an account and they also give $5 bonus. A debit card is offered as well as fraud and monitoring protection. Fees and minimums are at 0 as well as the account offering a small interest ...Show More

Mazhar C.

Nov 25, 2022

Would Recommend

I need help can someone attend me please. I Lost my ATM card and o wanted to know to no card number before blocking it

Anonymous

Sep 3, 2022

Would Recommend

I need help can someone attend me please. I Lost my ATM card and o wanted to know to no card number before blocking it

Muhammad A.

Jul 25, 2022

Would Recommend

Easiest way to give my kids money and track how they're using it. 10 out of 10 would recommend.

Markos H.

Mar 4, 2022

Would Recommend

It lets you have a bank account at a young age, and you get paid to take quick test!

Taylor B.

Feb 14, 2022

Would Recommend

opened this for my teens as a way to learn responsible saving and spending. the process was smooth and easy. A very good way to teach financials !

Eleasia N.

Aug 27, 2021

Would Recommend

Copper Banking is really accessible for teens because it's easy to transfer digital payments and other deposits. Also, there are no fees which are a bonus to me. The main focus of the app is to help teens across the country build smart financial habits like saving and incenticizing.

Brandon K.

Aug 22, 2021

Would Recommend

Copper was our first choice for my daughter who needed a bank. Copper conducts a soft credit pull, and there’s no monthly account fees, no atm fees, and you only need $10 deposit to open the account. Plus there’s bonuses and Low APYs. Parents this is the best way to get your children educated on banking. It’s fast and easy process!

Kaylee J.

Jul 7, 2021

Would Recommend

I love this concept and thus business!! It helps teens learn basic banking and fits to their needs. It also helps parents regulate what their teen purchases! Safe, teaching worthy, and easy!

Jeff D.

Jul 3, 2021

Would Recommend

Cooper banking built for teens is a good option. They offer most nearly all the other options in a traditional checking account and having teens begin to learn some of these banking skills are crucial to their development. A debit card is offered as well as fraud and monitoring protection. Fees and minimums are at 0 as well as the account offering a small interest yield.

Sam H.

Jun 14, 2021

Would Recommend

This banking app allows teens to have a checking account that works FOR them. It also allows parents to have greater understanding of how their teens are spending their money. I set up an allowance to come out every 2 weeks for my daughter and it is her responsibility to manage that money. It's AWESOME!

Anonymous

Jun 11, 2021

Would Recommend

Easiest way to give my kids money and track how they're using it. 10 out of 10 would recommend.

Shane T.

Jun 10, 2021

Would Recommend

Copper Bank Copper Bank is offered by Copper. A nonbank financial service founded in2019 and is based in Seattle , WA and is available in 50 states. There are some highlights, these are, 1.- community rating (not determined) 2.- monthly fee $0 3.- ATM fee out of net work $0 APY 0.01% there are some key take a ways, these are, 1.- $5 bonus offer 2.- low APY 3.- $0 monthly fee 4.- no ATM fee 5.- soft credit pull You can contact Copper ...Show More

Anzhell H.

Jun 4, 2021

Would Recommend

This is good for young adult my younger sibling use this it helps introduce them to banking with the hassle of going to a bank everything is done online so they have access to help at all times.

Adam A.

Jun 3, 2021

Would Recommend

The minimum opening deposit is my favorite part of this bank, this is the future of banking, and the mobile app is far advanced from the rest.

Boris N.

Jun 3, 2021

Would Recommend

This bank is the new reimagine bank of the people. This is what banking was meant to be. I'm saying this because they removed all the fees that the traditional banks charge for and they have an online portal. I love their concept

Rene P.

May 29, 2021

Would Recommend

This checking account was a godsend because I needed a checking account to help control the spending from my youngest child. Everything is done digitally and let me emphasize how much I love this account has NO FEES!!! I would completely recommend this card for someone teaching a teen to become financially responsible.

Showing 17 of 17 reviews