Last Updated: 01/21/2026
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Highlights
Community Rating
Strongly recommended
Welcome Offer
$5(Verified 06/21/2024)
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.001%(Verified 06/21/2024)
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Monthly Service Fee
$0(Verified 01/21/2026)
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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 |
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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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.001% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Copper 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Copper charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | 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 checks1 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
Hours of Operation
Sunday
10:00AM - 5:00PM
Monday
10:00AM - 5:00PM
Tuesday
10:00AM - 5:00PM
Wednesday
10:00AM - 5:00PM
Thursday
10:00AM - 5:00PM
Friday
10:00AM - 5:00PM
Saturday
10:00AM - 5:00PM
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Learn MoreSuperMoney 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
Copper Community Reviews
Would you recommend Copper to your friends?
EY
Eshaal Y.
Jul 20, 2023
May or may not 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
MC
Mazhar C.
Nov 25, 2022
May or may not 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
U
Anonymous
Sep 3, 2022
May or may not 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
MA
Muhammad A.
Jul 25, 2022
May or may not recommend
Easiest way to give my kids money and track how they're using it. 10 out of 10 would recommend.
MH
Markos H.
Mar 4, 2022
May or may not 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
May or may not 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 !
EN
Eleasia N.
Aug 27, 2021
May or may not 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.
BK
Brandon K.
Aug 22, 2021
May or may not 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!
KJ
Kaylee J.
Jul 7, 2021
May or may not 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!
JD
Jeff D.
Jul 3, 2021
May or may not 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.
SH
Sam H.
Jun 14, 2021
May or may not 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!
U
Anonymous
Jun 11, 2021
May or may not 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
May or may not 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
AH
Anzhell H.
Jun 4, 2021
May or may not 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.
AA
Adam A.
Jun 3, 2021
May or may not 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
May or may not 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
RP
Rene P.
May 29, 2021
May or may not 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
