It’s great that you’re already thinking about your little one’s financial future! A kids investment account is legally required to have a Social Security number (SSN), which you’ll get after your baby is born. But why wait? With a baby-on-the-way account, your money can grow at over 8 times² the rate of a traditional savings account.⁴ Once your child has their SSN, we’ll help you move those savings into a kids investment account at no cost, to help them access higher growth potential.
You can find more information on kids investment accounts here.
⁴ The national deposit rate for savings accounts is 0.40%, according to the FDIC as of September 15, 2025.