Member must be 13 to 17 years old and have valid ID in order to take advantage of products and services offered in the teenFIRST program. Youth savings accounts are available for children up to the age of 17 years old with no monthly fee or balance requirement.Don't worry, you as the parent can still have control over their money until the age of 18. If you're a minor under the age of 18, you can open up a joint checking account with your legal guardian acting as the account's co-owner. 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. Customers between 13 and 16 years old must open the Clear Access Banking account with an adult co-owner. In the US, at 18 yo, you can legally open your own bank account. Direct Deposit is an easy, safe, secure way to receive your welfare money. The County will automatically deposit your grant into your bank account each month.