Ask a parent or legal guardian to open a teen checking account or custodial account with a debit card
Check local bank or credit union age requirements for teen debit cards
Bring required documents, such as your ID, Social Security number, and proof of address, if needed
Have your parent or guardian co-sign or give written consent if the bank requires it
Choose a bank or credit union that offers debit cards for minors
Set up the account with your parent or guardian present
Activate the debit card once it arrives
Learn the account rules, spending limits, and fees before using it
Use the card only with approved purchases and keep track of your balance
Ask about mobile banking or alerts to monitor spending