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The Mango Prepaid Mastercard doesn’t charge a fee to sign up, activate, or load funds via bank transfer.

Other fees are minimal: monthly, to withdraw from an ATM. Teens can manage their account with a smartphone app.

What we don't like: You must have a paid Fam Zoo subscription, which is .99 per month, to use the card for the whole family.

What we like: Teaching teens to build good savings habits is just as important as helping them learn to develop good spending habits.

Opening a Mango Prepaid Mastercard gives teens the option to also open a savings account with up to 6% Annual Percentage Yield (APY) and the option to make six transfers out each month.

The best debit or prepaid cards for teens will charge minimal fees, offer flexibility in reloading funds and allow parents access to the card (especially important for kids on the younger end of the teenage spectrum).

Older teens with a part-time job and responsibility for their own cell phone bill or other charges may also benefit from features such as bill pay and direct deposit.

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