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A person typically has to be 18 to open their own bank account. That said, there are many options if you want to open a bank account for a child. In general, a bank account can be started at any age — as long as a parent or a guardian serves as a joint account holder.

Opening a bank account can help kids gain hands-on money skills and learn how a bank account works.

What Age Can You Open a Bank Account?

How old do you have to be to open a bank account? Usually, a person has to be 18 to open their own account. However, there isn’t a federal law that sets a minimum age at which you can have a bank account. Each state can have its own regulations regarding accounts for young savers and, depending on the state, financial institutions also may have the ability to set their own rules.

If you’re interested in opening an account and are unsure of age requirements, you may want to contact a few different financial institutions to ask if they have an account that suits your needs.

Can a Minor Open a Bank Account?

Usually, you must be 18, or the age of majority in your state, to open a bank account without a parent or guardian. But there are ways in which a minor can open a bank account and have his or her name on it. Some popular options include:

Custodial Accounts

A custodial account is an account an adult opens on behalf of a minor. The money held in the account belongs to the minor but is controlled by the custodian — usually a parent — until the minor reaches the age of majority (typically 18 to 21, but it may vary by state). There are a few different types of custodial accounts, including savings, educational savings, and investment accounts.

With this type of account, the minor won’t be able to access funds on their own, and they won’t be issued an ATM card. Generally, a custodial account changes over to an individual account when the child reaches adulthood.

Joint Accounts

A joint account may be possible, listing both a minor’s name and an adult’s name as co-owners, and they have equal control of the account. In some cases, the child must be between the ages of 13 and 17. In other cases, a younger child may be able to be a joint account holder, but perhaps with fewer privileges.

If the goal of the account is to help a minor learn financial responsibility or to give them control over their own money — but with an adult’s guidance — this might be the right choice. These accounts usually offer the parent the ability to monitor and control the account to some degree. For instance, the parent might set spending limits and get notified of transactions.

When minors reach the age of majority, they may choose to keep a joint account, but they also may want to transfer the account to just their name. As another option, they can open a new, individual account that better suits their current needs.

Recommended: Tips to Improve Your Money Mindset

Can a Minor Withdraw Money from a Bank Account?

If you’re wondering if a minor can withdraw money from a bank account, the answer is: It depends. With a custodial account, it is likely that the child cannot touch the money. The adult likely maintains control until the child reaches majority and becomes the account owner.

However, with a joint account, the child may be able to deposit and withdraw funds, just as the adult on the account can. That said, parental monitoring and controls can often be set up. In some cases, the child needs to be a certain age to withdraw money, or they might be unable to deposit or transfer money, as is the case with U.S. Bank.

What Age Can You Get a Debit Card?

Typically, checking accounts for kids and teens offer debit cards. The age at which a minor can get a debit card will be determined by the bank offering the account. This feature may only be available to teens, but some banks (such as Chase with its Chase First Banking program) allow six-year-olds and up to get debit cards.

There are also options like prepaid or secured debit cards that can be used by kids. Acorns Early offers them to children as young as age 6 to help them learn money management skills, while Greenlight says there is no minimum age for its debit card. It is likely, however, that you will find plenty of parental monitoring and controls in place, so it’s not as if the child can spend all their money on a whim.

What Will I Need to Open a Bank Account?

Whether you plan to open a bank account online or in person, you can expect to be asked for identification and certain types of documentation. Most account applications are straightforward and easy to complete; still, you may save some time by confirming that you meet all the criteria for a particular type of account before you get started.

You may have to provide the following information and documents when you set up a bank account:

•   Government-issued photo identification, such as a valid driver’s license or passport

•   Social Security number or other identification number

•   Contact information, including your full name, address and phone number

•   Proof of address, such as a utility bill or some other type of official document with your current address (you can print an online statement if you receive paperless bills and documents)

•   Student bank accounts may require proof of school enrollment, such as a student ID or acceptance letter

•   Joint account holders should be ready to provide required documents for all parties named on the account

This can mean that you may need one or more of the following forms of ID for the child who will be on the account:

•   Social Security card

•   Birth certificate

•   Passport

•   School photo ID

•   Immunization record

In addition to the above items, a minimum deposit to open an account may be required.

Recommended: How to Open a Bank Account

What to Consider When Choosing a Bank Account

Your goals for the account and how much participation you want the child to have can help you decide between a savings account vs. a checking account and between a custodial account or joint account.

Some other things to keep in mind as you compare accounts include:

Access

If you and/or your child expect to make frequent deposits and withdrawals, you may want to be sure the account comes with access to a large ATM network, easy online banking, or a convenient branch location.

Account Minimums

Many banks and credit unions have minimum balance requirements for savings and checking accounts. If you and your child would struggle to meet that threshold, you may want to look for an account that has a low or no minimum balance requirement.

APY

Earning interest isn’t necessarily a top priority with a bank account, but every little bit helps. Learning how an annual percentage yield (APY) works and how interest is calculated can be a good teachable moment for kids. What’s more, watching their money grow can be educational and motivational for young savers.

Recommended: APY Calculator

Customer Support

Does the financial institution have a reputation for reliable and helpful customer service? This could be important if you have questions or need help with disputing a transaction.

Fees

Fees can quickly eat away at a teen’s hard-earned money, especially if they’re using a non-network ATM to make withdrawals. You may want to find accounts that offer no or low monthly fees, ATM fees, overdraft fees and non-sufficient funds (NSF) fees.

Online/Mobile Experience

Whether you prefer online vs. traditional banking, be sure to check out the financial institution’s web and mobile platforms. It’s likely both parent and child will be using these tools on a regular basis.

Parental Protections

Though having a checking or cash management account can be a big step toward financial independence, it can be wise to put some parental controls on a minor’s account. Many accounts allow parents to monitor their child’s transactions so they can offer timely guidance.

Security

Will the money in the account be insured by the FDIC or NCUA? Will your personal and financial information be protected from unauthorized access with two-factor or multi-factor authentication? If one of your reasons for using a bank account is to keep your money safe, these can be important questions to ask.

Opening a Checking Account vs Savings Account for a Minor

As you consider options for opening a bank account for a minor, you may be faced with the decision of whether to go with a checking or a savings account. Here are some key differences to be away of; they can help you find the right fit:

The Takeaway

Though there is likely a minimum age to open a bank account on your own (typically 18), minors may be able to share a joint account with a parent or guardian until then. There are several types of accounts that kids and their parents might consider depending on their needs and goals, so it’s important to do a little research before choosing an account. Once a child is of legal age, they can shop for an account that suits their needs.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

FAQ

What is the youngest age to open a bank account?

In terms of at what age you can open a bank account, there’s no single rule. Typically, though, you must be age 18 or the age of majority in your state to have your own account. But, via joint accounts and custodial accounts, even younger individuals can have some banking privileges.

How do I open a bank account for a minor?

To open a bank account for a minor, you typically need various forms of identification, proof of residence, and an opening deposit. If the minor will share the account, they will need to provide identification as well.

Can a child get a debit card?

A child can get a debit card as part of the features of many joint accounts for minors. You may find them for kids as young as age six. There are also some secured or prepaid debit cards for minors, some with no minimum age available.

Photo credit: iStock/Chaay_Tee
SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFi® Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.

See additional details at https://www.sofi.com/legal/banking-rate-sheet.
*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

SOBNK-Q325-038

Direct deposit can be a convenient way to receive funds and can take from mere moments to a few days to go through.

Direct deposit can be a convenient way to get paid or otherwise receive funds without the hassle of checks or setting up payment apps and then transferring funds to your bank.

How Does Direct Deposit Work?

Direct deposit allows someone to electronically send money from their bank or financial institution directly into someone else’s bank account.

The money is sent via the Automated Clearing House (ACH) network, which transfers money between banks and financial institutions.

ACH transfers eliminate the need to send physical checks or cash. These transfers can also happen almost instantaneously because they’re digital and you don’t need to worry about things like proving that a check is legitimate. That means direct deposit can be faster and more convenient. In some cases (as with payroll), your financial institution may even offer early access to the funds, up to two days before the scheduled date.

Most employers now offer direct deposit as an option, and, in some states, even require it. Employers typically find direct deposit convenient because they can process payroll much faster without having to deal with issuing, signing, and mailing checks.

Direct deposit is a popular way to get your paycheck, but that isn’t the only use. It may also be the way you get a tax refund, Social Security benefits, unemployment benefits, investment-related dividends, as well as other payments.

Recommended: How Long Does It Take a Mobile Deposit to Clear?

How Do You Set Up Direct Deposit?

Setting up direct deposit is likely to be very simple — and fast. If you’re wondering how long it takes to set up direct deposit, all you have to do is fill out a direct deposit authorization form. Typically, this just takes a few minutes, provided you have the right information on hand (such as bank account and routing numbers; more on that below).

This usually happens on your first day of work, but you can often choose direct deposit or change your information later on. Some companies handle this process entirely online and some use a third party to sign you up.

When setting up a direct deposit, especially at a new job, you’ll want to remember to have the following information available to make it as simple as possible:

•   Your bank account number(s) and type of account

•   Bank routing number

•   Bank name and address

•   Whether you’re putting money in a checking or savings account

•   How much of your paycheck you want to deposit in the account (you may want to split the deposit; read on for details)

•   A blank, voided personal check

Much of this information can all be found on a personal check, by checking your banking website or app, or by contacting your financial institution directly.

Splitting Your Direct Deposit

If you want to split your paycheck between multiple accounts, you can typically add each account to the direct deposit form and specify how much of your pay should go into each. Most forms ask what percentage of your pay goes into each, instead of just a dollar value. You may need to fill out a new form for each account.

For example, you might designate a set amount of money to move automatically into whatever kind of savings account you have, while leaving what you know you’ll need in checking for bills and smaller payments.

It’s up to you, of course, to determine how much of your paycheck to save; many financial experts recommend 10%.

How Long Does It Take to Get Direct Deposit?

Signing up for direct deposit can be done in minutes. However, it may not take effect for a few weeks or even more because the payor has to confirm your bank account information.

With your employer, direct deposit may take one or two pay cycles to become active. During that time, you may receive a paper check as payment instead.

In some cases, an employer may hire an employee at the start of the pay cycle so that the direct deposit authorization process is done just in time for the new employee to receive their first payment via direct deposit.

Recommended: What to Do If Your Check Is Lost or Stolen?

Is Direct Deposit Instantaneous?

Exactly when you will have access to your direct deposit income will depend on the entity issuing the funds and perhaps your financial institution that receives the funds.

For example, if your employer uses payroll software to process your paycheck and send the transfer, they’ll set a pay date, which might be a day or two before your regular payday.

That’s the date the funds will be transferred into your bank account, and you can typically access the funds by the end of that day.

That said, other direct deposits may process on a different timeline. The funds could take one to three days to become available. To learn how long direct deposits take to post to your account, you can contact your bank directly, or watch to see what time of day the first few direct deposits come into your account.

Advantages of Direct Deposit

Receiving your paycheck or other income via direct deposit can simplify your life.

You won’t have to worry about waiting for a check or making time to take the check to the bank for deposit. And, you typically have access to your money sooner, since you don’t have to wait for a check to clear.

Direct deposit also makes it easier to stay on top of your personal finances because you know exactly when money is coming into your account.

This accuracy can help you manage your money and work towards short-term financial goals, such as paying all your bills on time or saving for an upcoming expense.

If you know when you have access to your paycheck, for example, it’s possible to schedule your other bills or an automatic transfer to your savings account soon after the direct deposit is scheduled.

Other advantages of direct deposit include:

•   Your bank might waive your account maintenance fee if you receive regular direct deposits.

•   It reduces the risk of check fraud or identity theft from a lost or stolen check.

•   You can’t lose or misplace the funds.

•   Electronic records don’t clutter drawers or fill file cabinets.

•   You can easily track your paychecks and make sure none have been missed, since there is an electronic record of each payment in one place.

The Takeaway

Direct deposits are a convenient, electronic way to receive funds, and this can be instantaneous or take a few days. This process is typically used when an employer, government agency, or other third party instructs its financial institution to digitally deposit funds into your spending or savings account on a specific date.

Direct deposit can make it easier to keep track of your finances, pay bills on time, and avoid negative balances and overdraft fees.

Looking for more ways to simplify your financial life?

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

FAQ

How long does direct deposit take to hit a bank account?

Direct deposit can happen almost instantaneously, but it can also take one to three days to hit your bank account, depending on factors such as bank holidays and weekends.

Why has my direct deposit not hit yet?

If your direct deposit hasn’t hit in one to three days, check with your bank. It could be that there is a hold on your account or your account is new or overdrawn, or that the sum is large enough to warrant additional review.

Is direct deposit available immediately?

A direct deposit should be available within one business day if it’s made via an electronic transfer. In some cases, direct deposits can be available almost immediately; in others, it can take up to three days.

About the author

Julia Califano

Julia Califano is an award-winning journalist who covers banking, small business, personal loans, student loans, and other money issues for SoFi. She has over 20 years of experience writing about personal finance and lifestyle topics. Read full bio.

SOBNK-Q324-069

Getting a check is typically good news — money is coming your way. However, it’s not available to spend just yet. First, you need to convert that check into cash. While there are many options for cashing checks that are free, some places charge a hefty fee for this service, shrinking the value of your check. Here’s how to cash a check for free (or a low fee).

1. Your Bank or Credit Union

Banks and credit unions generally allow you to cash a check for free if you’re an existing customer. As an account holder, you can typically cash or deposit a check in person at a branch, at an ATM, or through the bank’s mobile app. If you deposit a check at an ATM or through a mobile app, however, you may not get the entire amount of the check immediately. Usually the first $225 is available right away or in one business day, with the rest of the money being released on the second business day.

If you’re cashing a check in person, you’ll need to bring your debit card and, in some cases, a photo ID.

If you attempt to cash a check at a bank where you do not hold an account, you may be charged a fee, or the bank may simply refuse to cash the check. If you don’t have a bank account, opening a checking account will give you an easy way to cash checks for free.

2. Check Writer’s Bank

Another option for cashing a check for free, or a small fee, is to visit the bank where the funds were drawn from, also known as the issuing bank. You can find the name of the issuing bank on the front of the check.

Banks will typically cash a check for free if the check is written from one of their own accounts. However, some banks may charge a small fee for non-account holders, such as a percentage (like 2%) of the check. In some cases, a bank might offer free check-cashing up to a certain dollar amount (such as $25), with a fee for higher amounts. To cash a check as a non-account holder, you may also have to supply two forms of ID.

3. ​​Retail Stores

Some large retail stores and supermarkets offer check-cashing services, though there is typically a fee. For example, Walmart will cash payroll checks, government checks, tax refund checks, and some other types of pre-printed checks for a low fee (at the time of publication, up to $4 for checks up to $1,000; a max off $8 for larger checks). Certain grocery store chains, such as Kroger or Albertsons, also offer check-cashing for payroll, government, insurance, or business checks for a fee (typically around $4).

If you’re heading to a store to cash a check, be sure to bring a government-issued ID, such as a driver’s license or passport. Also keep in mind that retail stores might not cash certain checks, such as personal checks.

Recommended: Can You Cash Checks at an ATM?

4. Payment Apps

Some payment apps offer the ability to deposit checks into your account without a fee if you’re willing to wait a while to access the funds. PayPal and Venmo, for example, have mobile check deposit features that allow users to take a photo of a check and deposit it electronically into their account.

With PayPal, there is no fee if you’re willing to wait 10 days to access your funds. If you want expedited check cashing, the fee is 1% for payroll and government checks with a pre-printed signature (with a minimum fee of $5) and 5% for all other accepted check types, including hand-signed payroll and government checks (with a minimum fee of $5). Venmo offers similar terms.

5. Load Onto a Prepaid Card​​

Another way to cash a check (potentially for free) is to load it onto a prepaid card using the card’s mobile check deposit feature. Once the check clears, you’ll be able to access the funds as cash by making a withdrawal at an ATM. Depending on the service, you may be able to get some of the funds right away.

Before using this option, however, you’ll want to check whether your prepaid card provider charges fees for reloading the card and/or cashing a check, as terms vary by company.

Recommended: What Is a Second Chance Checking Account?

Where Not to Cash a Check

If you’re looking to cash a check for free or a low fee, you’ll generally want to avoid check-cashing stores. These stores specialize in cashing checks for individuals without bank accounts, and typically charge steep fees for their services. Costs can run as high as 10% of the check’s value, which can be a hefty sum, especially for large checks.

Some check-cashing services are located in low-income areas, often within or alongside payday loan shops. In some cases, a check-cashing outlet might try to lure you into taking out a high-interest payday loan, which can trap you into a cycle of fees and high costs.

Recommended: What to Know if You’ve Been Denied a Checking Account

The Takeaway

Banks generally allow you to cash a check for free if you’re an account holder. If you don’t have a bank account, you may be able to cash a check for free by visiting the check writer’s bank, loading it to a prepaid card, or using the check-deposit feature on a payment app. You can also cash payroll and government checks at some retail stores, but expect to pay a fee.

If you don’t have a bank account, opening one will provide a long-term solution for cashing checks. Cashing a check at a bank where you have an account is free and, typically, the most convenient method.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

FAQ

Where is the cheapest place to cash a check?

The cheapest place to cash a check is likely the bank or credit union where you have an account, where it’s likely to be free. Another option is to cash the check at the check writer’s bank; many banks offer this service for free or for a minimal fee if you are not an account holder. Retail stores like Walmart also offer check-cashing services at a low fee, typically under $4 for checks up to $1,000. Additionally, some prepaid cards and payment apps provide free mobile check deposit options if you’re willing to wait for processing.

Where can I cash a check without having a bank account?

If you don’t have a bank account, you may be able to cash a check at the check writer’s bank or at a large retailer or supermarket (for a fee). Other options include loading the check onto a prepaid card or using a payment app’s mobile check deposit feature. You can also cash a check at a check-cashing store, but this tends to be the most expensive option.

What app will cash a check immediately?

Several payment apps allow you to cash a check immediately, but it typically comes with a cost. For example, PayPal and Venmo also offer mobile check deposit services. If you can wait 10 days before the funds are available in your account, the service is free. If you want immediate access, you’ll pay a fee of 1% to 5%, depending on the type of check.

About the author

Julia Califano

Julia Califano is an award-winning journalist who covers banking, small business, personal loans, student loans, and other money issues for SoFi. She has over 20 years of experience writing about personal finance and lifestyle topics. Read full bio.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFi® Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.

See additional details at https://www.sofi.com/legal/banking-rate-sheet.
*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SOBNK-Q324-087