# Walmart-backed OnePay launches teen banking program

> OnePay's new teen banking program helps families build credit, savings and investing skills.
- Title: Walmart-backed OnePay launches teen banking program · Pymnts
- Summary: OnePay's new teen banking program helps families build credit, savings and investing skills. Teenagers can start building credit and savings with OnePay's…
- Keywords: onepay, walmart, teen banking, credit builder, savings program, investing for teens, gen z, credit score, business, finance, Walmart-backed, launches
- Source: Pymnts — https://pymnts.com/consumer-finance/2026/fintech-onepay-launches-teen-focused-banking-program
- Author: PYMNTS
- Published: 2026-09-22T15:25:09+00:00
- Read time: 1 min
- Topics: onepay, walmart, teen banking, credit builder, savings program, investing for teens, gen z, credit score, business, finance
## Teen banking program launch
Walmart-backed OnePay now offers banking for teens ages 13 to 17 with savings, checking, investing and credit builder services.

> A lot of people turn 18 with no credit history, next to no savings, and no idea how to invest or what to invest in
## Credit score goal
OnePay aims for teens to reach a 700 credit score, $1,000 savings and five years of investing experience by adulthood.
## Parental oversight
Parents can add teens to OnePay Invest for supervised investments and use the Builder Card to establish early credit history.
## Gen Z credit view
21.7% of Gen Z consumers see credit products as a way to build credit profiles, 17.6 percentage points higher than baby boomers.
## Credit card motivation
26.2% of consumers without credit cards want to improve their scores, ahead of emergency funds and everyday expenses.
## Teen spending habits
40% of millennials and 48% of Gen Z say they’d use cards more often with flexible repayment plans at point of sale.
## Key takeaway

Teenagers can start building credit and savings with OnePay's program before turning 18.