You will need your Social Security Number and, probably, some form of photo ID and a means of validating your address. We may offer direct deposit services, including preauthorized deposits (e.g.Bank Smartly® Savings account​​ To open a savings account with a minor of any age, you must go to a branch together. Only one parent needs to be present. Several large US banks offer sole-owned accounts to minors over the age of 16 without parental consent. Customers between 13 and 16 years old must open the Clear Access Banking account with an adult co-owner. After you serve the papers you must fill out an Affidavit of Service and sign it in front of a notary. Choose from three student checking account options for students including adults, teens, and minors. A) Will you be 18 years old on or before election day? The U.S. Bank Smartly ® Checking account offers special benefits for Youth ages 13 through 17.