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If you’ve ever gotten a free sample from, say, Costco or Sephora, you know that a free sample can easily turn you into a regular buyer of a product.

Sign-up bonus apps work the same way, and they have the same goal. These apps are so confident you’ll enjoy their product that they’re willing to pay you just for signing up (and maybe completing a small task). So, worst-case scenario, you get a quick bonus from an app you don’t particularly like. Best-case scenario? You get paid to sign up for an app that you end up loving and using on the regular.

I’ve put together a list of great apps that offer up the best sign-up bonuses—some of them allow you to earn a little money (a few bucks here and there), and some of them offer huge bonuses (hundreds, even thousands of dollars)! 

What I love about these apps is that, in most cases, you’re going to find them useful regardless of their bonus. They allow you to invest smarter, save more, earn cash-back rewards for stuff you already do every day, and more.

Instant Sign-Up Bonuses—Our Top Picks

$50 Bonus for Teens / $100 Bonus for Parents
$5-$200 Stock Bonus
$18-$36,000 Stock Bonus
Open a Fidelity Youth™ Account for your teen, and Fidelity will drop $50 into their account. Get $100 for yourself when you open a new Fidelity account and fund with $50.¹
Commission-free trading. Robinhood Gold: Free 30-day trial, then $5/mo.
Commission-free trading.
$50 Bonus for Teens / $100 Bonus for Parents
Open a Fidelity Youth™ Account for your teen, and Fidelity will drop $50 into their account. Get $100 for yourself when you open a new Fidelity account and fund with $50.¹
$5-$200 Stock Bonus
Commission-free trading. Robinhood Gold: Free 30-day trial, then $5/mo.
$18-$36,000 Stock Bonus

The Best Instant Sign-Up Bonus Apps

Below, I’ve listed a wide array of apps that all offer easy ways to earn a little (or a lot of) money quickly!

1. Fidelity Youth™ Account ($50 Bonus for Teens / $100 Bonus for Parents)

Fidelity Youth Account app signup

  • Available: Sign up here
  • Price: No account fees, no account minimum, no trading commissions*
  • Platforms: Web, mobile app (Apple iOS, Android)
  • Promotion: Teens get $501 on Fidelity® when they download the Fidelity Youth™ app and activate their Youth Account; parents get $100 when they fund a new account

Learning early about saving, spending and investing can pay off big when you start on the right foot. And one tool that can help your teen get that jump is the Fidelity Youth™ Account—an account owned by teens 13 to 17 that’s designed to help them start their money journey. They can start investing by buying most U.S. stocks, exchange-traded funds (ETFs), and Fidelity mutual funds for as little as $1!⁴

Your teen will also get a free debit card with no subscription fees, no account fees³, no minimum balances, and no domestic ATM fees⁵. And they can use this free debit card for teens to manage their cash and spend it whenever they need.

A parent or guardian must have or open a brokerage account with Fidelity® to open a Fidelity Youth™ Account. For new Fidelity® customers, opening an account is easy, and there are no minimums and no account fees.

If your teen has an interest in learning about investing and taking their first steps toward building their financial journey, you should consider downloading the Fidelity Youth™ app and opening a Fidelity Youth™ Account. The account comes custom-built for their needs, which will help them become financially independent and start investing for their future.

Read more in our Fidelity Youth™ Account review.

→ How to earn the Fidelity cash bonus

Open a Fidelity Youth™ Account for your teen, and Fidelity will drop $50 into their account. Get $100 for yourself when you open a new Fidelity account and fund with $50¹.

Related: Best Investments for Teenagers [How to Start Investing Young]

2. Robinhood ($5-$200 Free Stock Bonus)

robinhood sign up

  • Available: Sign up here
  • Platforms: Web, mobile app (Apple iOS, Android)
  • Promotion: Free stock worth between $5 and $200

Robinhood is a pioneer of commission-free trading, jumping into the investing public’s consciousness in 2013 when they rolled out commission-free trading. They remain a standout option for cost-minded investors thanks to their continued $0 commissions on stocks, ETFs, and options, as well as for its fractional trading, which allows people to invest with as little as $1.

→ How to get your free stock with Robinhood

Robinhood offers anywhere between $5 and $200 in free stock, just for signing up and linking an account.

Once you’ve signed up with this link and are approved for a brokerage account, simply link your bank account or debit card, and Robinhood will give you between $5 and $200 that you can use to buy fractional stock, chosen from a list of “20 of America’s leading companies.”

(Note: You must wait three trading days to sell your gift stock. Once you’ve sold your stock, you can use the money to buy other stocks right away. But if you want to withdraw the funds for cash, you have to wait at least 30 days.)

Related: 11 Best Stock Trading Apps [Free + Paid]

3. Webull ($18-$36,000 Free Stock Bonus)

webull sign up

  • Available: Sign up here
  • Platforms: Desktop app (Windows, macOS, Linux), web, mobile app (Apple iOS, Android)
  • Promotion: 6 to 12 free stocks valued between $3 and $3,000 each ($18 to $36,000 total)

Webull, which frequently runs promotions that allow investors to collect free stocks, has become one of the best stock apps for intermediate traders and investors, though many of its features are helpful to beginners as well.

For one, Webull remains friendly to wallet-conscious traders today. It costs nothing to open a Webull account. Stocks, ETFs, and options still trade commission-free. Many options have $0 contract fees. And Webull has no deposit minimums. On top of that, it offers fractional shares, which allows investors to start buying for as little as $1. So beginners working with small dollar amounts can still easily diversify across numerous investments.

Newer investors can also learn trading skills through the courses in Webull’s education center, and even practice their skills via Webull’s paper trading service.

Plus, Webull is available across just about every platform, allowing you to research, trade, and track your stocks on your smartphone, tablet, or desktop.

Why choose Webull to trade stocks?

Webull provides investors with several useful features and tools, including:

  • Customizable screeners for both stocks and ETFs
  • Preset lists—including Top Gainers, Top Losers, Most Active, and Best-Performing Industries—investors can use to identify opportunities
  • Voice commands: Simply speak to buy, sell, or look up information about a ticker
  • “Big Button Mode”: Populates giant buttons on your screen that allow you to quickly make trades with just a push
  • Charting tools
  • Free real-time stock quotes and stock alerts

→ How to get free stock with Webull

Currently, Webull is offering new users between six and 12 free shares of stock worth between $3 and $3,000—so, the bonus is worth between $18 and $36,000.

To claim this potential bounty, you will first need to sign up through this link, open your account and make a deposit of any dollar amount. If you do, you will receive between six and 12 shares of stock from Webull.

Read more in our Webull review, or sign up at Webull today.

Related: 11 Best Stock Advisor Websites & Services to Seize Alpha

4. Moomoo (15 Free Shares Worth $45-$30,000 + Share of TSLA or GOOG)

moomoo signup new

  • Available: Sign up here
  • Platforms: Desktop app (Windows, Mac), web, mobile app (Apple iOS, Android)
  • Promotion: 15 free stocks, each valued between $3-$2,000, plus a share of Tesla (TSLA) or Alphabet (GOOG)

Moomoo is a commission-free trading platform for stocks, ETFs, and options. While Moomoo is best for advanced traders, offering powerful tools to empower your trading insights and strategies, it takes a different approach from other similarly targeted platforms, favoring simple interfaces and high ease of use. The desktop platform is highly customizable, while the mobile app is straightforward, allowing you to search for stocks and trade with minimal hassle.

Still, Moomoo has more than enough under the hood for advanced traders to get the job done. Its charting system, for instance, includes 62 technical analysis indicators and 22 drawing tools. You can set up alerts based on changes in price, bids, turnover ratio, and more. Free Level 2 market data helps you get a greater understanding of a stock’s value, determine how liquid a stock truly really is, and better time your trades. You can even enjoy 24/7 financial news handpicked by Moomoo’s editorial team.

→ How to get your bonus with Moomoo

You can receive up to 15 free shares (collectively worth anywhere between $45 and $30,000) and an extra share of Tesla (TSLA) or Alphabet (GOOG) from Moomoo. Here’s how:

  1. If you open a new brokerage account with Moomoo and fund it with $100, you’ll earn five free stocks valued between $3 and $2,000 each, as well as a $50 cash reward.
  2. If you make a net deposit of $1,000 or more in the promotion period, you’ll get a total of 15 free stocks valued between $3 and $2,000 each, as well as a $50 cash reward.
  3. If you make a net deposit of $5,000 or more in the promotion period, you’ll get a total of 15 free stocks valued between $3 and $2,000 each, as well as a $50 cash reward, and one free share of either TSLA or GOOG.

Enjoy these free bonus shares by opening an account with Moomoo through our link and making a qualifying deposit.

Related: 21 Best Stock Research & Analysis Apps, Tools and Sites

5. Acorns ($20 Bonus)

acorns signup

  • Available: Sign up here
  • Platforms: Web, mobile app (iOS, Android)
  • Promotion: $20 bonus when you set up recurring investments

Acorns is a micro-investing app geared toward minors, young adults and millennials by offering “Round-Ups”: The app rounds up purchases made on linked debit and credit cards to the nearest dollar, investing the difference on your behalf.

For example, if you purchase a coffee for $2.60 on a linked credit card, Acorns automatically rounds this charge up to $3.00 and puts the 40-cent difference aside. Once those Round-Ups reach at least $5, they can be transferred to your Acorns account to be invested.

The Acorns investment offering itself is a simple, automated platform that uses pre-built portfolios of ETFs to keep investors exposed to stocks and bonds. While it doesn’t have much to offer intermediate investors who want variety in their portfolios, Acorns’ basic approach makes it one of the best investment apps for beginners.

Acorns has the following subscription options:

  • Acorns Personal ($3 per month): Includes an Acorns Invest investment account, as well as Acorns Later for tax-advantaged investment options such as Roth IRAs. Also includes Acorns Checking, a bank account that has no account fees, lets you withdraw fee-free from more than 55,000 ATMs nationwide, and Smart Deposit, which allows you to automatically invest a bit of each paycheck into your Acorns accounts.
  • Acorns Personal Plus ($5 per month): Everything in Acorns Personal (Acorns Invest, Later, and Checking), plus Premium Education, which are live onboarding sessions covering account setup, Round-Ups, setting up recurring investments, and more; Emergency Fund; and a 25% bonus on Acorns Earn rewards (up to $200 per month).
  • Acorns Premium ($9 per month): Everything in Acorns Personal Plus, plus Acorns Early, which allows you to open a custodial investment account for your child so you can begin investing for them while they’re a minor; custom portfolios that allow you to hold individual stocks; live Q&As with financial experts; a 50% match on Acorns Earn rewards (up to $200 per month); $10,000 in life insurance; even the ability to set up a will for free.

Learn more in our Acorns review.

→ How to get your bonus with Acorns

To earn $20 from Acorns, you have to complete a few steps:

  1. Sign up for an Acorns account.
  2. Set up recurring investments ($5 minimum)
  3. Make your first successful recurring investments.

Your $20 bonus will be awarded within 10 days of the following month.

Related: How to Invest as a Teenager [Start Investing as a Minor Under 18]

6. SoFi Checking and Savings Account ($50 to $250 in Free Cash)

sofi checking savings signup new

  • Available: Sign up here
  • Platforms: Web, mobile app (iOS, Android)
  • Promotion: Earn $50 to $250 in free cash

The SoFi Checking and Savings Account sounds like your run-of-the-mill bank account, but it’s more: It’s also a high-yield savings account that earns 10 times the national average percentage yield (APY) and more than the average high-yield account. Better still, it boosts your ability to save right off the bat by rewarding you with $50 to $250 upon sign-up.

Sofi Checking and Savings covers all of the basics: no monthly account fees, no minimum balances, and website and mobile app access. But it also has several perks that match or top the competition. Features include:

  • Early paycheck reception when you sign up for direct deposit
  • FDIC insurance of up to $2 million (vs. $250,000 for most accounts)
  • Up to 15% cash back when you spend with local retailers
  • No-fee overdraft coverage up to $50
  • Round-ups on debit card purchases, which are deposited into your savings “Vault”

And right now, you can get a head start on your savings with qualifying direct deposits.

→ How to get your free cash with SoFi

First, you’ll need to Sign up with SoFi. Then you’ll receive $50 in bonus cash if $1,000.00 to $4,999.99 is sent to your account within a 25-day period, starting from when you receive the first direct deposit. That number jumps to $250 when you receive $5,000 or more.

The higher cash bonus requires you to hit an admittedly high threshold, but the $50 is still a reasonable bonus for a much more manageable threshold.

Related: 11 Best Investment Accounts [Types for Beginners to Use]

7. Upromise ($30.29 in Bonuses)

upromise signup

  • Available: Sign up here
  • Platforms: Web, mobile app (Apple iOS, Android)
  • Promotion: $30.29 ($5.29 for signing up, and $25 for linking a 529 plan)

Upromise makes it easier to save for your child’s future higher education expenses, and it has helped families save more than $1 billion for college to date.

After you create a Upromise account, you link it to either your 529 plan, or a checking or savings account. You can also apply for a no-monthly-fee Upromise Mastercard that earns you cash rewards when you shop online, eat at restaurants, and more. The service will automatically deposit both your cash rewards and any monthly contributions into your 529 plan or linked bank account.

You’ll also earn more in cash-back rewards with the Upromise Mastercard than you will with any other linked debit or credit card. Also, every month, Upromise gives five families a $529 college scholarship. Every dollar of earned rewards gets you an entry.

→ How to get your free money with Upromise

You’ll earn a $5.29 sign-up bonus simply for signing up with Upromise using our link and verifying your email. To receive an additional $25, you must:

  1. Link a 529 plan account within 30 days.
  2. Keep the account active through the first cash-back rewards redemption cycle.
  3. Make sure your cash-back rewards account balance meets the minimum transfer amount to be able to transfer rewards into the linked account.

Related: 7 Best Alternatives to 529 Plans [Other College Savings Options]

8. InboxDollars ($5 Bonus)

inboxdollars signup new

  • Available: Sign up here
  • Platforms: Web, mobile app (iOS, Android)
  • Promotion: $5 sign-up bonus

InboxDollars helps users make extra money from doing simple tasks. Like with other money-making apps, brands pay InboxDollars for consumer opinions—which is where you come in.

You can earn free money by participating in several activities, including taking surveys and reading emails. You can also earn cash-back rewards for online shopping, spending on games, and even buying groceries.

This passive income app isn’t a substitute for a full-time job, but it’s a great way to earn some extra money with only a little additional work on your part.

→ How to get your free money with InboxDollars

Simply sign up with InboxDollars, and you’ll receive $5 instantly!

Related: 50+ Best Money-Making Apps That Pay You Real Money

9. Branded Surveys ($1 Bonus)

Branded Research sign up

  • Available: Sign up here
  • Platforms: Web, mobile app (iOS, Android)
  • Promotion: $1 sign-up bonus

Branded Surveys has paid out more than $36 million to more than 3 million users.

The surveys made available to you will depend on your interests and profile information, as well as what research partners currently need. Each survey earns points; you can cash out once you’ve accumulated at least 500 points. Depending on survey length, users make anywhere from 50 cents to $5 per survey. This is an easy way to make $5 fast.

You can use your points toward gift cards from more than 100 brands, receive cash in your PayPal or bank account, or even make a charitable donation.

→ How to earn free money with Branded Surveys

Simply sign up for Branded Surveys and you’ll receive 100 points, which is worth $1.

Related: 7 Best Paid Surveys for Kids and Teens [Online Surveys]

10. MyPoints ($5 Bonus)

mypoints signup july 2023

  • Available: Sign up here
  • Platforms: Web, mobile app (iOS, Android)
  • Promotion: $5 sign-up bonus

With MyPoints, you participate in activities such as online games/puzzles/trivia, taking surveys, and more, to earn points. Depending on the activity, you can earn points toward gift cards from the likes of Target, Starbucks, and Sephora; coupon codes; cash; or cash back on purchases.

People who already love shopping online and at physical stores can take advantage of MyPoints cash-back rewards for purchases at thousands of retailers. You can even get cash back when you purchase groceries and household stables if you scan your receipts.

Users can earn more points by trying out new products or signing up for trial services. For example, you might try out a streaming service or get meal kits delivered.

→ How to earn free money with MyPoints

Earning MyPoints’ $5 sign-up bonus is easy! Simply:

  1. Sign up for MyPoints using our link.
  2. Click the link in the confirmation email.

Related: The 13 Best Investment Apps for Beginners

11. Chase Total Checking ($200 Bonus)

chase total checking signup

  • Available: Sign up here
  • Platforms: Web, mobile app (iOS, Android)
  • Promotion: $200 when you set up direct deposit

With Chase Total Checking, members get access to all of JPMorgan Chase Bank’s 4,700 branches, as well as more than 15,000 ATMs.

This is Chase’s most popular account for daily banking needs. Chase Overdraft Assist ensures no overdraft fee if you’re only overdrawn by $50 or less or if you’re overdrawn by more, but bring your overdrawn amount to $50 or less by the end of the next business day. Through the Chase Mobile app, users can pay bills, transfer money, deposit checks, and more.

The Chase Total Checking account comes with Zero Liability Protection, so you’re reimbursed for any unauthorized debit card transactions as long as you report the transactions promptly.

Just note that Chase Total Checking charges a high $12 monthly service fee unless you fulfill one of the following each month:

  • Have at least $500 in total electronic deposits from payroll providers or government benefit providers via the ACH network, Real Time Payment network, or third-party services that facilitate payments to your debit card through the Visa or Mastercard networks each month
  • Have a balance at the beginning of each day of $1,500 or more in this account.
  • Have an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying checking, savings, and other balances.

→ How to earn free money with Chase Total Checking

Chase Total Checking offers a $200 bonus to new customers who do the following:

  1. Open a Chase Total Checking account.
  2. Set up direct deposit within 90 days of coupon enrollment.

Related: 7 Best Wealth + Net Worth Tracker Apps [View All Your Assets]

12. SwagBucks ($10 Bonus)

swagbucks signup new

  • Available: Sign up here
  • Platforms: Web, mobile app (iOS, Android)
  • Promotion: $10 bonus when you spend at least $25

Swagbucks is one of the most popular money-making apps because it allows you to earn money or gift cards by doing everyday activities. For example, you can make money by taking online surveys, playing games, watching videos, even doing live trivia. The more you play games, watch videos, and complete other activities, the more extra cash you earn.

To get started, sign up for a Swagbucks account and begin participating in some routine tasks offered through the app. Each task earns you “SB” (Swagbucks), which you can cash in for gift cards or redeem for free PayPal money.

→ How to earn free money with Swagbucks

SwagBucks will pay new users 1,000 SB, which is worth $10. All you have to do is:

  1. Sign up using our link.
  2. “Activate” the bonus in the Swag Ups section of your account.
  3. Spend at least $25 at a store featured in Swagbucks.com/Shop. (You must receive at least 25 SB for the purchase, and you must complete it within 30 days of registration.)

Related: 14 Best Apps That Give You Money for Signing Up [Free Money]

13. Cash App ($5 Bonus)

cash app sign up

  • Available: Sign up here
  • Platforms: Web, mobile app (iOS, Android)
  • Promotion: $5 sign-up bonus

Cash App markets itself as a smarter way to manage your money. Whether you’re looking to send, spend, bank, or buy stocks or bitcoin, Cash App has several useful features that allow you to handle, save, and invest your money.

Sending and receiving payments is free with Cash App, so you can rest assured knowing that your money is always accounted for when you transfer funds to friends and family.

Similar to Venmo, Cash App lets you instantly send money to anyone for free. You can even send stocks or Bitcoin. Your balance updates immediately, so you always know your transaction was successful. If you don’t have any funds in your account, the money is drawn from a linked card or financial account.

The recipient doesn’t need to have a Cash App account. You can use an email or phone number to transfer money. However, they will need to create an account within 14 days or the money is returned to you.

Optionally, you can deposit your paychecks, tax returns, and more into the app. Direct deposits are available as soon as they are received, which may be up to two days faster than banks.

Cash App can help you save money shopping online, or in person, as well. With the Cash Card, users get access to instant discounts. You do have to activate offers to save, though, and you can only add one offer at a time.

→ How to get your Cash App bonus

You and a friend can both get $5 bonuses when one of you uses the other’s Cash App referral code to sign up for Cash App. Here’s how to do it:

  1. Download Cash App. You’ll need to register with your phone number.
  2. Link a debit card.
  3. Go to Settings, then Invite Code, and enter your referral code from a friend.
  4. Within 14 days, send at least $5 (lump sum or multiple payments) to anyone.

Related: 75 Cryptocurrency Statistics Show Crypto’s Gone Mainstream

14. Plynk ($85 Combined Bonus)

plynk signup

  • Available: Sign up here
  • Platforms: Mobile app (Apple iOS, Android)
  • Sign-up bonus: Earn $10 for signing up; Plynk will also double your deposit up to $75

Plynk™ is an app designed to help you start investing and learn along the way, and they’re currently offering a $10 account signup and $75 net deposit bonus ($85 combined).

The Plynk app helps investors put their money into an investment portfolio. You can invest with as little as $1, and trade stocks, fund, and crypto commission-free**—all in one app. The platform uses straightforward, easy-to-understand language to explain investing concepts. No jargon. No complex charts and tables. Just simple-language tips and how-tos.

One of Plynk’s most interesting features involves, of all things, gift cards. Specifically, you can redeem unused gift cards for money that you can use to buy stocks in your favorite companies.

→ How to get your combined bonuses with Plynk

If this sounds interesting to you, consider opening an account with Plynk. To make it more worth your while, they have a few special offers.

Simply open an account and link your bank account to get a $10 signup bonus. Plynk is also offering a special bonus promotion through Dec. 14, 2023. If you make a deposit, Plynk will double it up to $75. Customers must have a minimum of $25 in net deposits during the promotional period to receive a match. That means you may be eligible for up to $85 in signup bonuses from Plynk by taking qualifying actions.

Read more in our Plynk review.

Related: 7 Best Wealth + Net Worth Tracker Apps [View All Your Assets]

Best Apps for a Sign-Up Bonus: FAQs

How else can I get free money online?

Free money sign-up bonuses are an excellent way to get money instantly. All you have to do is sign up, and you’ll earn free cash. But, if you’re willing to put in a little extra effort, there are many other easy ways to earn cash online, including taking surveys, watching videos, and even playing games.

Which app gives the highest sign-up bonus?

The app that will give you the highest sign-up bonus depends on what additional actions you are able and willing to take after signing up. For instance, Chase Total Checking has a $200 bonus, but you must set up direct deposit to get it.

The sign-up bonus for a SoFi Checking and Savings Account is between $50 and $250, depending on how much money is sent to your account within the first 25 days. It only takes $1,000 to receive a $50 bonus, but to receive the highest bonus of $250, you need to receive $5,000 or more.

It’s possible to receive an extremely high sign-up bonus of up to $36,000 in free stock with Webull, but the reward is in stocks rather than extra cash. Also, it’s highly unlikely you’ll get the maximum value—users receive six to 12 free stocks valued between $3 and $3,000, and you’re significantly more likely to receive the lower-valued stocks than the ones worth thousands.

Do any apps offer a sign-up bonus with instant withdrawal?

A number of apps, including Fidelity Youth™ Account, Webull, Acorns, Moomoo, SoFi Checking and Savings, Chase Total Checking, and Cash App generally allow you to withdraw your money whenever you want.

In a couple cases, you might have to wait to be able to withdraw your bonus, however. For instance, Acorns’ bonus investment could take up to five weeks to hit your account.

Do any apps offer a sign-up bonus with instant payout?

It’s very rare for an app to pay you within minutes of requesting a payout—some take hours, many more take days, and a few take more than a week.

Survey Junkie is one of the few that offer an instant payout. In my own personal experience testing the app, when I requested a digital gift card, it arrived within minutes.

But remember: While SurveyJunkie pays out instantly, it doesn’t offer instant withdrawal—that is, you have to hit certain points minimums before you’re allowed to request a payout.

Do any apps offer a sign-up bonus with instant withdrawal and instant payout?

Unfortunately, none of the apps I reviewed for this article offer both the ability to withdraw whenever you want and get paid instantly.

Do free apps pay real money?

Depending on the app, rewards vary. Some apps let you earn money that can be sent directly to a bank account. Others pay out rewards as PayPal cash, free gift cards, stocks, swag, or charity donations.


Plynk Disclosures

Google Play Store and Apple Store Ratings are as of the date referenced (06/22/2023) and provide an average rating of users and do not reflect the experience of an individual customer.

Terms and Conditions for Fidelity Youth™ Account

The Fidelity Youth™ Account can only be opened by a parent/guardian. Account eligibility limited to teens aged 13-17.
* $0.00 commission applies to online U.S. equity trades and exchange-traded funds (ETFs) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). Other exclusions and conditions may apply. See Fidelity.com/commissions for details. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Institutional® are subject to different commission schedules.
¹ Limited Time Offer. Terms Apply. Before opening a Fidelity Youth™ Account, you should carefully read the account agreement and ensure that you fully understand your responsibilities to monitor and supervise your teen’s activity in the account.
² The Fidelity Youth™ app is free to download. Fees associated with your account positions or transacting in your account apply.
³ Zero account minimums and zero account fees apply to retail brokerage accounts only. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply. See Fidelity.com/commissions for further details.
⁴ Fractional share quantities can be entered out to 3 decimal places (.001) as long as the value of the order is at least $0.01. Dollar-based trades can be entered out to 2 decimal places (e.g. $250.00).
⁵ Your Youth Account will automatically be reimbursed for all ATM fees charged by other institutions while using the Fidelity® Debit Card at any ATM displaying the Visa®, Plus®, or Star® logos. The reimbursement will be credited to the account the same day the ATM fee is debited. Please note, for foreign transactions, there may be a 1% fee included in the amount charged to your account. The Fidelity® Debit Card is issued by PNC Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other, and Fidelity is not affiliated with PNC Bank or BNY Mellon. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.
⁶ Venmo is a service of PayPal, Inc. Fidelity Investments and PayPal are independent entities and are not legally affiliated. Use a Venmo or PayPal account may be subject to their terms and conditions, including age requirements. 
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
About the Author

Riley Adams is the Founder and CEO of WealthUp (previously Young and the Invested). He is a licensed CPA who worked at Google as a Senior Financial Analyst overseeing advertising incentive programs for the company’s largest advertising partners and agencies. Previously, he worked as a utility regulatory strategy analyst at Entergy Corporation for six years in New Orleans.

His work has appeared in major publications like Kiplinger, MarketWatch, MSN, TurboTax, Nasdaq, Yahoo! Finance, The Globe and Mail, and CNBC’s Acorns. Riley currently holds areas of expertise in investing, taxes, real estate, cryptocurrencies and personal finance where he has been cited as an authoritative source in outlets like CNBC, Time, NBC News, APM’s Marketplace, HuffPost, Business Insider, Slate, NerdWallet, Investopedia, The Balance and Fast Company.

Riley holds a Masters of Science in Applied Economics and Demography from Pennsylvania State University and a Bachelor of Arts in Economics and Bachelor of Science in Business Administration and Finance from Centenary College of Louisiana.