Been researching the best savings for kids and honestly there's way more options out there than I expected. Used to think you just opened a regular account at your bank, but these specialized kids accounts have some legit features that actually make saving fun for them.

Step and Greenlight seem to be the heavy hitters—both offer solid interest rates (5% on Step, up to 5% on Greenlight depending on plan) plus the roundup feature where spare change automatically goes to savings. Step's interesting because it actually builds your kid's credit history, which could help them later. Greenlight lets parents set custom spending rules, which is clutch for teaching money management.

If you want something more traditional, Capital One and Chase have pretty solid offerings. Chase First Banking works through their app, no fees, and you get 16,000 ATMs to use. Capital One's similar but they have actual branches if you prefer in-person stuff.

For the credit union route, BECU's early saver account is wild—6.17% APY on the first $500. That's way higher than most banks. USAlliance gives birthday bonuses which my kids think is cool.

What surprised me most was Fidelity's youth account. It's not just savings—it's actually an investment account where teens can buy stocks and ETFs. Plus they get a free debit card. If your teen's interested in investing, this could be the best savings solution that also teaches them about markets.

GoHenry and Revolut are solid if you want the app-first experience with tons of parental controls. Both let you freeze cards instantly and set spending limits per store.

Honestly, the best savings for kids really depends on what matters to you—whether that's high interest rates, investment options, or just simplicity. Most have zero fees which is huge since they're not holding much money anyway. I'd probably start by checking if your current bank offers something, then compare these if they don't.