Setting Up a MONEY Teen Checking Account from Capital One

Since we are still waiting on my son’s INE, and I’m not one to sit around idly, in December I started the process of creating a MONEY teen checking account from Capital One. I figured that it would be simpler since the account would be tied through my Capital One 360 account and he wouldn’t have to go through so much verification. 

Well, I was partially correct. Setting it up from my account was a breeze. However, my son getting access to it wasn’t. First, we ran into the snafu of not having a cell phone number in the United States for the app to contact. So, I made my son call the bank and request the verification number to be sent to my Skype number, as my account was verified. He had the joy of uploading his ID, talking with a variety of bots and actual people, having the ID picture rejected several times, and finally convincing the powers that be that he was who he said he was and made the phone number change.

 It didn’t work. The next week, he called again. After the verification process rigamarole, the woman at the other end said that since the Skype number was registered to my account, the system would not use it to verify his. Great.

So after some further research, I found that I could have up to 10 Skype numbers. I added a secondary phone number and had my son call again. Another long, drawn out verification process was needed for the phone number change. There was a further delay when the agent repeatedly entered my son’s email address incorrectly. Spelling it out seemed to help. Well, spelling it out the third time helped. 

Then, my son was getting an error message when he tried to sign in to his account. The page asked for his postal code but then said it was invalid when he entered it. So he asked the agent to check the address on his account, which was fine. However, the agent said that the page he was being prompted at was not a secure site. He’d never seen this page and it was a security breach in the system. Hmm.

Making a new attempt at signing in brought my son to the correct page. Since all his facts were correct and the new phone number was acceptable, he was able to sign in. Hallelujah! 

 It’s super easy for me to transfer funds from my account to his and to keep tabs on his balance. He’s all raring to go to set up a Paypal account, but he needs to wait for the debit card to arrive. It’s on the way, traveling through my Power of Attorney in Tennessee, so it should be too long before he can make online purchases just like dear ol’ mom.