31st State-Chartered Bank
31st State Chartered Bank is a financial institution chartered by the State of California and operated by young adults and teens. It offers only retail and commercial services.
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The CARD Act of 2009 placed strict limitations on companies issuing credit cards to minors. 31st State-Chartered complies with the Bank Visa Core Rules and Visa Product and Service Rules. Student officers and account holders outreach to their parents to create a specific account and add their dependents as "authorized users" on a credit card account. When the dependents have learned financial responsibility then it’s time to establish primary accounts in their own name.