Home Authors Alexa Serrano Cruz
Alexa Serrano Cruz

Alexa Serrano Cruz, CAMS

Senior Editor, Personal Finance

Alexa Serrano Cruz is a senior editor at Finder, specializing in banking. As a personal finance expert, she helps Americans make informed decisions about their finances. Her expertise includes savings, budgeting, kids' banking, and more. Prior to joining Finder, Alexa worked as an editor in Miami and New York.

Alexa is a certified anti-money laundering specialist and her personal finance expertise has earned recognition from reputable publications such as Nasdaq, Best Company, U.S. News & World Report, MSN, Yahoo, and Valuewalk. Alexa has also made notable appearances on platforms such as Winnie Sun TV, money podcasts like LifeBlood, and broadcast news publications like Fox News and NBC News.

Alexa also served as an editor for ACAMS Today, a prominent publication dedicated to anti-financial crime detection and counter-terrorist financing.

Alexa holds a bachelor’s degree in English from Wesleyan College.


  • Personal finance
  • Kids' banking
  • Budgeting and saving
  • Anti-financial crime


  • Certified anti-money laundering specialist (CAMS)
  • Interviewed by NBC News to speak about identity theft and stimulus checks
  • Discussed teaching kids about money with Fox News
  • Q&A with Winnie Sun to discuss how to teach your child how to budget
  • Featured on CBS News Las Vegas to discuss teaching your kids healthy money habits
  • Discussed bounced checks and NSF fees with U.S. News & World Report
  • Frequent guest post author on Nasdaq covering timely personal finance topics


  • Bachelor of Arts, English

Educational organizations

  • Wesleyan College

Featured publications

Industry insights from Alexa Serrano Cruz

We asked Alexa Serrano Cruz to flex her expertise on trends in kids’ banking and online banking she’s seen over the past year.

Why do you think kids banking has become so popular over the last year?

On one hand I have actually seen banks discontinuing some of their kids banking products, and on the other there has been a rise in more digital kids banking products like debit cards for kids. We are seeing more digital kids banking products pop up because there has been a rise in fintech companies and we are living in a digital age. A lot of the popular kids banking products are coming from fintech and bank partnerships. The bank provides a place to hold the money, while the fintech provides the tech. In this case, they provide an intuitive app where parents can assign chores, automate allowances and track their kids spending and savings progress.

What can parents do now, to help their children develop good money habits in adulthood?

Start talking to your child about money and explain your purchasing decisions. For instance, if you are at a grocery store and need to purchase a bag of salad. Think about why you went for that particular bag and then vocalize your decision to your child. Did you choose it because it was an off-brand name and cheaper? Was it on sale? Or was it on a buy-one-get-one free special? You will start to see your child pick up on these decision-making processes. Holidays are also a great time to teach your child about budgeting. While you may be budgeting your money on a larger scale, your child can budget on a smaller scale when they are starting to think about buying gifts for family or friends. This can be a great activity where you can sit with your child and work with them to create spending limits for gifts. Another way you can start teaching them how to manage their money is by looking into debit cards for kids that offer chores, allowance and savings options.

Do you think the rise of online banks and neo banks will push out traditional brick-and-mortar institutions over the next few years?

How someone banks is a very personal preference. As we are seeing with kids banking, it is likely that digital banks could potentially start to push out traditional brick-and-mortar institutions. But I think that in order for this to happen, we are going to have to become a cashless society. As long as there is physical cash, there will be people who will need to make cash deposits at a bank. For digital and online banks to push out these institutions, they will need to start to develop a better solution for cash deposits and allow for more customer service options. Digital banking can also make identity verification a bit more complicated. Especially as there is a rise in deepfake technology. Not being physically present at a bank can also make frontline staff miss certain queues in body language that could be a red flag for things like elder abuse and human trafficking.

Featured videos

Latest articles by Alexa Serrano Cruz

13 articles written by this author

CD rates today: September 2023

Learn what the cd rates are today and where to find the current highest rate.

Alexa Serrano Cruz 20 January 2023
CD rates today: September 2023

10 best crypto tax software for 2023

Find out the highlights and drawbacks of the top crypto trackers and tax calculators.

Kimberly Ellis & Alexa Serrano Cruz 4 March 2022
10 best crypto tax software for 2023

Crypto Banking: What it is, is it safe and how to start

Learn what crypto banking is and the benefits and the risks involved.

Kelly Suzan Waggoner & Alexa Serrano Cruz 15 December 2021
Crypto Banking: What it is, is it safe and how to start

Crypto savings accounts guide

The average American could earn 140 times more in just one year by switching from a traditional savings account to a crypto savings account, according to analysis from Finder.

Alexa Serrano Cruz 1 December 2021
Crypto savings accounts guide

Certificates of deposit methodology

We weigh minimum deposits and APYs relative to term length when rating CDs and share certificates.

Alexa Serrano Cruz 9 July 2021
Certificates of deposit methodology

Methodology: Kids’ checking accounts and prepaid debit cards

We look for the following features when rating kids debit cards: monthly fees, features, availability, customer service, interest rate and more.

Alexa Serrano Cruz 2 July 2021
Methodology: Kids’ checking accounts and prepaid debit cards

How to avoid Wells Fargo account fees

Here’s a breakdown of Wells Fargo’s common account fees and how to avoid them.

Alexa Serrano Cruz 3 May 2021
How to avoid Wells Fargo account fees

Expert tips for the ultimate holiday budget

9 experts dip get into the holiday spirit and give their most magical tips on creating the ultimate holiday budget this season.

Alexa Serrano Cruz 1 December 2020
Expert tips for the ultimate holiday budget

Varo Savings Account Review

Learn how this high-interest account can boost your savings goals.

Alexa Serrano Cruz 20 October 2020
Varo Savings Account Review

Environmentally friendly banks

Choose green banking options that support an eco-friendly lifestyle.

Alexa Serrano Cruz 8 August 2019
Environmentally friendly banks
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