u/IncomeLongjumping401

Hi,

I’m 16. I wrote a check from my CU’s money market to Capital One but the check bounced because the money was in the wrong account. Capital One shows the money and check is cleared and the money is available to be used but I was told NOT to touch that money. I rewrote a brand new check, put the correct amount of money and took the picture of the check again.

Are they going to report my ChexSystems? This was my first honest mistake.

“[REDACTED],

After an in-depth review of the check deposits you made on May 19, 2026, into your account ending in [REDACTED] we believe there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. To protect you from this potential risk, we've decided to delay the availability of all or part of $1,017.92 until May 26, 2026. Please note that you don't need to take any action. As long as the items don't return, these funds will automatically become available on May 26, 2026.”

[supprimé]

I have a HYSA (360 Performance Savings) with my mom and a MONEY Teen checking. I’m switching from my local B&M CU. Both accounts with C1 don’t allow me to transfer funds using my login so I use my mom’s login (with permission) to transfer externally. I feel like Capital One might say something even if customer service says I’m okay. (I use her login to also look at her Savor that I’m AU on), she’s not tech savvy so asking her to transfer for me is also hard. I opened a Kids Savings account and with my own login I can transfer between the KSA and the Money account now.

Is 2.50% APY good even though I was getting 3.10% APY but taking a risk? I’d like to play by the books just in case. To be safe than sorry. I have a credit card my dad opened just for me to use and pay since I have a job so switching routing and account numbers won’t be a pain.

I have a HYSA (360 Performance Savings) with my mom and a MONEY Teen checking. I’m switching from my local B&M CU. Both accounts with C1 don’t allow me to transfer funds using my login so I use my mom’s login (with permission) to transfer externally. I feel like Capital One might say something even if customer service says I’m okay. (I use her login to also look at her Savor that I’m AU on), she’s not tech savvy so asking her to transfer for me is also hard. I opened a Kids Savings account and with my own login I can transfer between the KSA and the Money account now.

Is 2.50% APY good even though I was getting 3.10% APY but taking a risk? I’d like to play by the books just in case. To be safe than sorry. I have a credit card my dad opened just for me to use and pay since I have a job so switching routing and account numbers won’t be a pain.

EDIT: My mom said she can do the transfer for me and Capital One said I can use her login as long as she’s aware of everything.

I have a HYSA (360 Performance Savings) with my mom and a MONEY Teen checking. I’m switching from my local B&M CU. Both accounts with C1 don’t allow me to transfer funds using my login so I use my mom’s login (with permission) to transfer externally. I feel like Capital One might say something even if customer service says I’m okay. (I use her login to also look at her Savor that I’m AU on), she’s not tech savvy so asking her to transfer for me is also hard. I opened a Kids Savings account and with my own login I can transfer between the KSA and the Money account now.

Is 2.50% APY good even though I was getting 3.10% APY but taking a risk? I’d like to play by the books just in case. To be safe than sorry. I have a credit card my dad opened just for me to use and pay since I have a job so switching routing and account numbers won’t be a pain.

EDIT: My mom said she can do the transfer for me and Capital One said I can use her login as long as she’s aware of everything.

Hi,

My mom and dad both have U.S. Bank cards. One is Cash+ and one is a Smartly (used to be Cash+)

U.S. Bank has my social and when we got the cards a year ago, I was told being added builds my credit. (I’m 16).

Now, I’ve been told my multiple people from customer service that either I don’t, I do, or it reports only account age as authorized users do not have any financial liability so therefore they cannot report payment history or credit worthiness.

People that have U.S. Bank credit cards with AUs (or U.S. Bank employees), can you guys help me out so if not I can just shop for another card to be added as an AU? (I have Discover but want a VISA or Mastercard for more acceptance at merchants).

UPDATE: U.S. Bank lady was fantastic and talked to back office, back office confirmed I do build credit. Thanks everyone for their help.

Hi,

My mom and dad both have U.S. Bank cards. One is Cash+ and one is a Smartly (used to be Cash+)

U.S. Bank has my social and when we got the cards a year ago, I was told being added builds my credit. (I’m 16).

Now, I’ve been told my multiple people from customer service that either I don’t, I do, or it reports only account age as authorized users do not have any financial liability so therefore they cannot report payment history or credit worthiness.

People that have U.S. Bank credit cards with AUs (or U.S. Bank employees), can you guys help me out so if not I can just shop for another card to be added as an AU? (I have Discover but want a VISA or Mastercard for more acceptance at merchants).

UPDATE: U.S. Bank lady was fantastic and talked to back office, back office confirmed I do build credit. Thanks everyone for their help.

Hi,

My mom and dad both have U.S. Bank cards. One is Cash+ and one is a Smartly (used to be Cash+)

U.S. Bank has my social and when we got the cards a year ago, I was told being added builds my credit. (I’m 16).

Now, I’ve been told my multiple people from customer service that either I don’t, I do, or it reports only account age as authorized users do not have any financial liability so therefore they cannot report payment history or credit worthiness.

People that have U.S. Bank credit cards with AUs (or U.S. Bank employees), can you guys help me out so if not I can just shop for another card to be added as an AU? (I have Discover but want a VISA or Mastercard for more acceptance at merchants).

UPDATE: U.S. Bank lady was fantastic and talked to back office, back office confirmed I do build credit. Thanks everyone for their help.

Hi,

My mom and dad both have U.S. Bank cards. One is Cash+ and one is a Smartly (used to be Cash+)

U.S. Bank has my social and when we got the cards a year ago, I was told being added builds my credit. (I’m 16).

Now, I’ve been told my multiple people from customer service that either I don’t, I do, or it reports only account age as authorized users do not have any financial liability so therefore they cannot report payment history or credit worthiness.

People that have U.S. Bank credit cards with AUs (or U.S. Bank employees), can you guys help me out so if not I can just shop for another card to be added as an AU? (I have Discover but want a VISA or Mastercard for more acceptance at merchants).

UPDATE: U.S. Bank lady was fantastic and talked to back office, back office confirmed I do build credit. Thanks everyone for their help.

UPDATE: U.S. Bank lady was fantastic and talked to back office, back office confirmed I do build credit. Thanks everyone for their help.

Hi,

I’m 16M. I have a buncha CCs I’m an AU on with my mom and one with my Dad that I never use. This is a long post so bear with me, please.

I have a AMEX BCE, USB Smartly and a C1 Savor that I use. My mom owns these and I most of the time pay or she covers me sometimes. I redeem the points or cashback for a statement credit. I just hold money in my checking (any deposits get held) I pay, then transfer to savings and my brokerage for investments.

My mom lets me use the points however whatever I want to do with em’ and vise versa.

I just think it’s nice that I don’t need to stress about waiting all the money in there until the statement comes (usually I use only one card and spend only $1-$20. My mom always uses the Smartly card that earns a flat 2% on my monthly braces payment plan so she can earn points off of my braces plan.

I just feel like I’m adding unnecessary debt to her imo. I can use Apple Pay since it masks your debit card information from POS systems and prevents fraud. My local CU is good at fraud prevention and detection according to reviews and my personal experience with customer service. I also like how I can request for an emergency card at a branch if fraud does happen unlike my credit cards which take 1-10 days to arrive even through free expedite shipping. I’m also looking for a job if that changes anything so my spending could be higher since I only buy with money I get once in a while (parents pay me, birthday money, gift money etc)

I have this app called Step, they report credit but it acts like a debit card. If I pay $5.99/mo, they have Step Black which comes with benefits like 3% on a savings with FDIC up to $1m, 1% cashback on all purchases and it’s a secured card so there is no debt since it auto pays. Should I use these guys then but not pay the Step Black subscription for now until I get my job? (without subscription it’s a secured card still but no cashback)

Should I just use a debit card even though I lose access to credit card points?

Hi,

I’m 16M. I have a buncha CCs I’m an AU on with my mom and one with my Dad that I never use.

I have a AMEX BCE, USB Smartly and a C1 Savor that I use. My mom owns these and I most of the time pay or she covers me sometimes. I redeem the points or cashback for a statement credit. I just hold money in my checking (any deposits get held) I pay, then transfer to savings and my brokerage for investments.

My mom lets me use the points however whatever I want to do with em’ and vise versa.

I just think it’s nice that I don’t need to stress about waiting all the money in there until the statement comes (usually I use only one card and spend only $1-$20. My mom always uses the Smartly card that earns a flat 2% on my monthly braces payment plan so she can earn points off of my braces plan.

I just feel like I’m adding unnecessary debt to her imo.

Should I just use a debit card even though I lose access to credit card points?

Hi,

I’m 16 and want a BofA account. They said I need to come in with 2 forms of ID at a financial center. Problem is.. I don’t live near one. They’re not in my city at all. There is one almost built 3 minutes from where I live but now I have till 6/7/2026 to verify my ID.

Did BofA already do something with my SSN or ChexSystem? Is it safe to just withdraw the application and do it later when the branch is officially open?

Can I call them tomorrow and see if they can verify me without a financial center?

Hi. I’m 16.

I wanna maybe put money in and build wealth or whatever. I don’t have an end time or end goal, can I buy VOO (I was told not to buy mutual funds in a taxable brokerage like FXAIX) and just keep putting money in and taking out the money when I need it? (i.e. wanting a new thing, new house, new car or when I need the cash for something?)

I have a Roth. But I have little earned income here and there so funding the Roth is a slow snail process and I really wanna get into the market because I have extra cash and my plan is splitting 50/50, putting half into savings and half into investing and growing it.

Best timeline I could give is like… maybe in 10 years I might come back and be like “Should I keep this stock or sell it?”

I wanna maybe put money in and build wealth or whatever. I don’t have an end time or end goal, can I buy VOO (I was told not to buy mutual funds in a taxable brokerage like FXAIX) and just keep putting money in and taking out the money when I need it? (i.e. wanting a new thing, new house, new car or when I need the cash?)

16M btw.

Hi, I’m 16. I recently opened a Roth but I have a little less earned income rn. I wanna maybe put money in and build wealth or whatever. I don’t have an end time or end goal, can I buy VOO (I was told not to buy mutual funds in a taxable brokerage like FXAIX) and just keep putting money in and taking out the money when I need it? (i.e. wanting a new thing, new house, new car or something)?