Minors with an adult, and adults 18 and over can open one of our three checking accounts in minutes. Central Credit Union Of Illinois offers a variety of youth accounts and services for 16-21 year olds.Explore our accounts and educational services. Accounts for Minors. By using custodial accounts, children can start a savings account at any age, and teens can open checking accounts. This can vary from bank to bank. If you're under 18 years old, you will need a parent or guardian over 18 to open the account with you. You will need your Social Security Number and, probably, some form of photo ID and a means of validating your address. You can open a checking account with your child online or in a branch, typically in five minutes or less. Your child must be at least 13 years old.