{"id":39974,"date":"2024-07-05T19:18:11","date_gmt":"2024-07-05T15:18:11","guid":{"rendered":"https:\/\/www.miamiherald.com\/banks\/?p=39974"},"modified":"2024-09-27T18:44:17","modified_gmt":"2024-09-27T14:44:17","slug":"kids-saving-account","status":"publish","type":"post","link":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/","title":{"rendered":"How to Open a Kid\u2019s Savings Account"},"content":{"rendered":" <p class=\"wp-block-paragraph\">Opening a savings account for your child is a great way to teach them about money management at a young age and help them start saving for their future. This guide discusses the benefits of opening a savings account early, the options available to you and how to choose the right kids\u2019 savings account. It also provides a step-by-step breakdown of how to move forward with opening an account and tips on managing it responsibly. <\/p> <h2 class=\"wp-block-heading\" id=\"h-what-is-a-kids-savings-account\">What is a Kids Savings Account?<\/h2> <p class=\"wp-block-paragraph\">As the name implies, a kids savings account is a <a href=\"https:\/\/www.miamiherald.com\/banks\/banking\/bank-accounts-types\/\">type of bank account<\/a> designed specifically for children. There are also accounts you can use to save for college or to house assets, like real estate and other financial investments, on behalf of a minor. More on these shortly. <\/p> <h2 class=\"wp-block-heading\" id=\"h-the-benefits-of-starting-savings-early\">The Benefits of Starting Savings Early<\/h2> <p class=\"wp-block-paragraph\">Teaching your child to save early can benefit them for a lifetime. Here\u2019s a closer look at some additional perks. <\/p> <h3 class=\"wp-block-heading\" id=\"h-teaching-kids-about-saving-money\">Teaching Kids About Saving Money<\/h3> <p class=\"wp-block-paragraph\">By opening a savings account, you provide a way that demonstrate how money grows over time. You can deposit money regularly into their account and educate them on <a href=\"https:\/\/www.miamiherald.com\/banks\/banking\/interest-bearing-account\/\">how interest works<\/a> as they watch their balance increase. <\/p> <h3 class=\"wp-block-heading\" id=\"h-importance-of-financial-literacy\">Importance of Financial Literacy<\/h3> <p class=\"wp-block-paragraph\">Ensuring your child is financially literate at an early age is also vital. You can instill the right habits into them while providing key insights to help your child establish the right mindset about money, even before they hit the real world. Doing so can pay significant dividends and help them establish a solid financial foundation when entering adulthood. <\/p> <h3 class=\"wp-block-heading\" id=\"h-creating-a-savings-plan\">Creating a Savings Plan<\/h3> <p class=\"wp-block-paragraph\">By opening a savings account early, you can also educate your child on the importance of building an emergency fund. More specifically, teach them to allocate a portion of any money they receive, whether from a gift, allowance or job, into their savings account. Explain why it\u2019s important to have money for a rainy day and how setting short-term and long-term savings goals to make larger purchases is a smart strategy.<\/p> <h3 class=\"wp-block-heading\" id=\"h-setting-savings-goals\">Setting Savings Goals<\/h3> <p class=\"wp-block-paragraph\">To piggyback off the last point, if your child wants to make a specific purchase but doesn\u2019t have all the cash, they can set savings goals. This tactic can motivate them to deposit money regularly and think carefully about how they spend money. More specifically, it provides a sense of accomplishment while educating your child on the reward that comes with delayed gratification. <\/p> <h3 class=\"wp-block-heading\" id=\"h-rewards-and-incentives-for-saving\">Rewards and Incentives for Saving<\/h3> <p class=\"wp-block-paragraph\">Create a reward system that recognizes your child\u2019s saving efforts, such as matching a certain amount they save or giving small bonuses when they hit saving milestones.<\/p> <p class=\"wp-block-paragraph\">Celebrating their achievements, however small, reinforces the habit of saving and makes them eager to continue saving for years to come. <\/p> <h2 class=\"wp-block-heading\" id=\"h-types-of-kids-savings-accounts\">Types of Kids Savings Accounts<\/h2> <p class=\"wp-block-paragraph\">There are four types of kids savings accounts to be aware of. <\/p> <h3 class=\"wp-block-heading\" id=\"h-basic-savings-accounts\">Basic Savings Accounts<\/h3> <p class=\"wp-block-paragraph\">Basic savings accounts are offered by traditional banks, credit unions and online banks. Often, they are the first <a href=\"https:\/\/www.miamiherald.com\/banks\/banking\/how-many-bank-accounts\/\">bank account<\/a> most children have and typically come with no monthly fees and little or no minimum balance requirements. And your child will likely earn a return on their money. <\/p> <p class=\"wp-block-paragraph\"><em>Note: This article will focus primarily on basic savings accounts. <\/em><\/p> <h3 class=\"wp-block-heading\" id=\"h-custodial-accounts-utma-ugma\">Custodial Accounts (UTMA\/UGMA)<\/h3> <p class=\"wp-block-paragraph\">UTMA (Uniform Transfers to Minors Act) and UGMA (Uniform Gifts to Minors Act) are custodial accounts that allow you to save for your child\u2019s future. They often yield greater returns than savings accounts and can house a variety of investments. The assets in these accounts are legally bound to the child and often taxed at a lower tax rate. <\/p> <h3 class=\"wp-block-heading\" id=\"h-joint-accounts-with-parents\">Joint Accounts with Parents<\/h3> <p class=\"wp-block-paragraph\">Joint accounts are owned by both you and your child. They allow you to monitor and control account activity while teaching your child financial responsibility. Many financial institutions offer these accounts minus the monthly fees. <\/p> <h3 class=\"wp-block-heading\" id=\"h-college-savings-accounts-529-plans\">College Savings Accounts (529 Plans)<\/h3> <p class=\"wp-block-paragraph\">529 plans are designed specifically to save for higher education expenses. Unlike standard accounts, they feature tax advantages, including tax-free growth for withdrawals made to cover qualified education expenses. <\/p> <h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-right-kids-savings-account\">How to Choose the Right Kids Savings Account<\/h2> <p class=\"wp-block-paragraph\">If you aren\u2019t sure which kids savings account is best, consider these factors to help you make an informed decision. <\/p> <h3 class=\"wp-block-heading\" id=\"h-interest-rates-and-fees\">Interest Rates and Fees<\/h3> <p class=\"wp-block-paragraph\">The annual percentage yield (APY) determines how much your child\u2019s savings will grow. Ideally, you want an account with a competitive APY, but it should also feature few or no fees to maximize savings. <\/p> <h3 class=\"wp-block-heading\" id=\"h-accessibility-and-online-banking\">Accessibility and Online Banking<\/h3> <p class=\"wp-block-paragraph\">Most <a href=\"https:\/\/www.miamiherald.com\/banks\/banking\/how-much-money-keep-checking-account\/\">accounts<\/a> offer online banking that makes it easy to check balances, transfer funds and even set up automatic deposits. The option you select should also have a user-friendly mobile app to keep tabs on the account while on the go. <\/p> <h3 class=\"wp-block-heading\" id=\"h-minimum-balance-requirements\">Minimum Balance Requirements<\/h3> <p class=\"wp-block-paragraph\">Accounts with little or no minimum balance requirement are most ideal, as they make it easier to start saving without needing a large upfront deposit. If you\u2019re leaning toward a basic savings account, steer clear of those that penalize you if your balance falls below a certain level. These fees could quickly add up and eat away at your child\u2019s savings. <\/p> <h3 class=\"wp-block-heading\" id=\"h-parental-controls-and-oversight\">Parental Controls and Oversight<\/h3> <p class=\"wp-block-paragraph\">Parental controls are vital for managing your child\u2019s spending and saving habits. Accounts that offer features like transaction monitoring and spending alerts can help you keep track of activities. You may also be able to set specific savings goals and restrict access to funds to help your child stay on track. <\/p> <h2 class=\"wp-block-heading\" id=\"h-steps-on-how-to-open-a-kids-savings-account\">Steps on How to Open a Kids Savings Account<\/h2> <p class=\"wp-block-paragraph\">Once you\u2019ve decided on the right savings account for your child, here\u2019s how to move forward. <\/p> <h3 class=\"wp-block-heading\" id=\"h-gathering-necessary-documents\">Gathering Necessary Documents<\/h3> <p class=\"wp-block-paragraph\">You\u2019ll typically need your child\u2019s birth certificate, Social Security number and a copy of your photo ID. These documents can usually be uploaded when you apply to open an account. <\/p> <h3 class=\"wp-block-heading\" id=\"h-choosing-the-right-bank-or-credit-union\">Choosing the Right Bank or Credit Union<\/h3> <p class=\"wp-block-paragraph\">Shop around to find a bank or credit union offering a kids savings account that fits your needs. Be sure to compare APYs, fees, account features and other resources each offers. Select the best option and formally apply for an account. Some let you apply online; others require visiting a physical branch. <\/p> <h3 class=\"wp-block-heading\" id=\"h-setting-up-account-access\">Setting Up Account Access<\/h3> <p class=\"wp-block-paragraph\">Since your child is a minor, you\u2019ll need to designate yourself as the custodian of the account. Once they turn 18, your child can operate the account independently and upgrade to a more age-appropriate account. You\u2019ll also need to make the minimum required opening deposit (if applicable). <\/p> <h2 class=\"wp-block-heading\" id=\"h-monitoring-and-managing-the-account\">Monitoring and Managing the Account<\/h2> <p class=\"wp-block-paragraph\">Once the <a href=\"https:\/\/www.miamiherald.com\/banks\/banking\/checking-account\/\">account<\/a> is open, here are some tips to help you effectively manage it alongside your child. <\/p> <h3 class=\"wp-block-heading\" id=\"h-parental-controls-and-security\">Parental Controls and Security<\/h3> <p class=\"wp-block-paragraph\">You can use these controls to monitor account activity and set spending limits. <\/p> <h3 class=\"wp-block-heading\" id=\"h-regularly-reviewing-account-statements\">Regularly Reviewing Account Statements<\/h3> <p class=\"wp-block-paragraph\">It\u2019s vital to review account statements as you receive them to confirm all transactions are accurate. If you find discrepancies, contact your financial institution promptly. <\/p> <h3 class=\"wp-block-heading\" id=\"h-encouraging-regular-deposits\">Encouraging Regular Deposits<\/h3> <p class=\"wp-block-paragraph\">Encourage your child to make regular deposits into their savings account. You can do so by automating deposits for a portion of their allowance weekly or monthly. You can also encourage them to deposit a portion of any gift proceeds received into their savings account.<\/p> <h3 class=\"wp-block-heading\" id=\"h-adjusting-savings-goals-as-needed\">Adjusting Savings Goals as Needed<\/h3> <p class=\"wp-block-paragraph\">Savings goals can change, so you want to adjust milestones accordingly. Help your child set realistic, achievable goals based on their unique needs and aspirations.<\/p> <h2 class=\"wp-block-heading\" id=\"h-legal-considerations\">Legal Considerations<\/h2> <p class=\"wp-block-paragraph\">Be mindful of the laws that govern custodial accounts and understand the responsibilities of parents or guardians.<\/p> <h2 class=\"wp-block-heading\" id=\"h-conclusion-encouraging-a-lifetime-of-good-financial-habits\">Conclusion: Encouraging a Lifetime of Good Financial Habits<\/h2> <p class=\"wp-block-paragraph\">You can set your kids up for financial success by teaching them to start saving money at an early age. Encourage your children to set clear savings goals and make regular deposits. It\u2019s equally important to engage in discussions about banking and financial management and celebrate the small wins.<\/p> ","protected":false},"excerpt":{"rendered":"<p>Start your child on the path to financial literacy with a kids savings account. Discover the best options, its features, and benefits.<\/p> ","protected":false},"author":7,"featured_media":40083,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"footnotes":""},"categories":[271,237],"tags":[],"class_list":["post-39974","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-savings-accounts"],"acf":{"zone_id":"324280","sponsored":false,"external_author":1943,"external_editor":39659,"not_show_feature_image":false},"featured_image_src":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/kids-savings-account.png","author_info":{"display_name":"","author_link":"https:\/\/www.miamiherald.com\/banks\/author\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Open a Kid&#039;s Savings Accounts | Miami Herald<\/title>\n<meta name=\"description\" content=\"Start your child on the path to financial literacy with a kids savings account. Discover the best options, its features, and benefits.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Open a Kid\u2019s Savings Account\" \/>\n<meta property=\"og:description\" content=\"Start your child on the path to financial literacy with a kids savings account. Discover the best options, its features, and benefits.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/\" \/>\n<meta property=\"og:site_name\" content=\"Miami Herald - Personal Finance\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-05T15:18:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-27T14:44:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/kids-savings-account.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/kids-saving-account\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/kids-saving-account\\\/\"},\"author\":{\"@type\":\"Person\",\"image\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Allison-Martin.png\",\"name\":\"Allison Martin\",\"jobTitle\":\"Writer\",\"url\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/author\\\/allison-martin\\\/\",\"description\":\"&lt;p&gt;Allison Martin is a personal finance enthusiast and a passionate entrepreneur. With over a decade of experience, Allison has made a name for herself as a syndicated financial writer.&lt;\\\/p&gt;\\n\"},\"headline\":\"How to Open a Kid\u2019s Savings Account\",\"datePublished\":\"2024-07-05T15:18:11+00:00\",\"dateModified\":\"2024-09-27T14:44:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/kids-saving-account\\\/\"},\"wordCount\":1333,\"image\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/kids-saving-account\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/kids-savings-account.png\",\"articleSection\":[\"Personal Banking\",\"Savings Accounts\"],\"inLanguage\":\"en-US\",\"timeRequired\":\"PT1MIN\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/kids-saving-account\\\/\",\"url\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/kids-saving-account\\\/\",\"name\":\"How to Open a Kid's Savings Accounts | Miami Herald\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/kids-saving-account\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/kids-saving-account\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/kids-savings-account.png\",\"datePublished\":\"2024-07-05T15:18:11+00:00\",\"dateModified\":\"2024-09-27T14:44:17+00:00\",\"author\":{\"@id\":\"\"},\"description\":\"Start your child on the path to financial literacy with a kids savings account. Discover the best options, its features, and benefits.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/kids-saving-account\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/kids-saving-account\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/kids-saving-account\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/kids-savings-account.png\",\"contentUrl\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/kids-savings-account.png\",\"width\":1200,\"height\":800,\"caption\":\"kids savings account\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/banking\\\/kids-saving-account\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Open a Kid\u2019s Savings Account\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/#website\",\"url\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/\",\"name\":\"Miami Herald - Personal Finance\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"\",\"url\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/author\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How to Open a Kid's Savings Accounts | Miami Herald","description":"Start your child on the path to financial literacy with a kids savings account. Discover the best options, its features, and benefits.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/","og_locale":"en_US","og_type":"article","og_title":"How to Open a Kid\u2019s Savings Account","og_description":"Start your child on the path to financial literacy with a kids savings account. Discover the best options, its features, and benefits.","og_url":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/","og_site_name":"Miami Herald - Personal Finance","article_published_time":"2024-07-05T15:18:11+00:00","article_modified_time":"2024-09-27T14:44:17+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/kids-savings-account.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Written by":"","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/#article","isPartOf":{"@id":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/"},"author":{"@type":"Person","image":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2023\/11\/Allison-Martin.png","name":"Allison Martin","jobTitle":"Writer","url":"https:\/\/www.miamiherald.com\/banks\/author\/allison-martin\/","description":"&lt;p&gt;Allison Martin is a personal finance enthusiast and a passionate entrepreneur. With over a decade of experience, Allison has made a name for herself as a syndicated financial writer.&lt;\/p&gt;\n"},"headline":"How to Open a Kid\u2019s Savings Account","datePublished":"2024-07-05T15:18:11+00:00","dateModified":"2024-09-27T14:44:17+00:00","mainEntityOfPage":{"@id":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/"},"wordCount":1333,"image":{"@id":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/#primaryimage"},"thumbnailUrl":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/kids-savings-account.png","articleSection":["Personal Banking","Savings Accounts"],"inLanguage":"en-US","timeRequired":"PT1MIN"},{"@type":"WebPage","@id":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/","url":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/","name":"How to Open a Kid's Savings Accounts | Miami Herald","isPartOf":{"@id":"https:\/\/www.miamiherald.com\/banks\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/#primaryimage"},"image":{"@id":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/#primaryimage"},"thumbnailUrl":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/kids-savings-account.png","datePublished":"2024-07-05T15:18:11+00:00","dateModified":"2024-09-27T14:44:17+00:00","author":{"@id":""},"description":"Start your child on the path to financial literacy with a kids savings account. Discover the best options, its features, and benefits.","breadcrumb":{"@id":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/#primaryimage","url":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/kids-savings-account.png","contentUrl":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2024\/07\/kids-savings-account.png","width":1200,"height":800,"caption":"kids savings account"},{"@type":"BreadcrumbList","@id":"https:\/\/www.miamiherald.com\/banks\/banking\/kids-saving-account\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.miamiherald.com\/banks\/"},{"@type":"ListItem","position":2,"name":"How to Open a Kid\u2019s Savings Account"}]},{"@type":"WebSite","@id":"https:\/\/www.miamiherald.com\/banks\/#website","url":"https:\/\/www.miamiherald.com\/banks\/","name":"Miami Herald - Personal Finance","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.miamiherald.com\/banks\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"","url":"https:\/\/www.miamiherald.com\/banks\/author\/"}]}},"_links":{"self":[{"attributes":[],"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/posts\/39974"}],"collection":[{"attributes":[],"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/posts"}],"about":[{"attributes":[],"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/types\/post"}],"author":[{"attributes":{"embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"attributes":{"embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/comments?post=39974"}],"version-history":[{"attributes":{"count":0},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/posts\/39974\/revisions"}],"acf:post":[{"attributes":{"embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/external-author\/39659"},{"attributes":{"embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/external-author\/1943"}],"wp:featuredmedia":[{"attributes":{"embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/media\/40083"}],"wp:attachment":[{"attributes":[],"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/media?parent=39974"}],"wp:term":[{"attributes":{"taxonomy":"category","embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/categories?post=39974"},{"attributes":{"taxonomy":"post_tag","embeddable":true},"href":"https:\/\/www.miamiherald.com\/banks\/wp-json\/wp\/v2\/tags?post=39974"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}