Starting September 28, 2026, teens can access a suite of tools including savings accounts with 3.35% APY, investment options, and a Builder Card. While the service is designed for early financial education, its primary value lies in the transition to adulthood. Unlike many youth-focused products that require users to close their accounts upon turning 18, OnePay allows the account to evolve. Upon reaching legal age, the user retains their spending history and established credit file, provided they remain an authorized user on a parent's account and complete SSN verification.

Parents retain granular control through the OnePay app, where they can monitor activity, set allowances, and receive real-time transaction alerts. Harsh Gupta, General Manager at OnePay, noted that most existing teen banking products function as temporary training wheels that users must abandon at 18. By maintaining continuity, the platform aims to ensure young adults enter the rental or auto-loan market with an established financial footprint rather than a blank record. The service carries no monthly or subscription fees, and teens can select from various card designs to personalize their first banking experience.