You can open a bank account at 17, but the type depends on whether you have a parent or guardian co-signing

At 17, you have two main paths. If a parent or guardian opens the account with you and stays on it, you can open a joint account at nearly any bank — this is the most common route. If you want an account in your name alone, some banks and credit unions offer teen accounts or youth accounts designed for people under 18, though not all do. A few banks let you open a solo account at 17 if you meet specific conditions, like having a job or a certain income, but these are less common.

The key difference is control: a joint account means your parent can see all transactions and withdraw money, while a teen account in your name alone gives you more privacy — though your parent may still need to co-sign the paperwork or be listed as an emergency contact.

Key Takeaways

  • A joint account with a parent or guardian is the easiest option at 17 and works at most banks and credit unions.
  • Teen or youth accounts exist at many banks but are not offered everywhere, so you will need to call ahead or check the bank's website.
  • Some banks require a parent to co-sign even if the account is in your name alone, while others do not.
  • You will need a government-issued ID (like a state ID or passport) and proof of your Social Security number at any bank.

Joint accounts with a parent or guardian

A joint account is the simplest option at 17. Both you and your parent are listed on the account, both can deposit and withdraw money, and both can see all transactions. Most banks and credit unions offer joint accounts with no age minimum for the minor, so this works at Chase, Bank of America, Wells Fargo, local credit unions, and most other institutions.

The advantage is that you get a debit card, online access, and a place to deposit paychecks or money from family — all the normal features of a checking account. The trade-off is privacy: your parent can monitor spending and move money without asking you first. This is often intentional, especially if the account is meant to teach money habits or if your parent wants to add funds regularly.

To open a joint account, go to a branch with your parent and bring your ID and Social Security number. Some banks let you start online, but most require at least one in-person visit for someone under 18. The process usually takes 15 to 30 minutes.

Teen and youth accounts in your name alone

Some banks offer accounts designed for people 13 to 17 that are in the teen's name, not a joint account. These go by different names — Chase has "Chase First Banking," Bank of America has "MyFirst," and many credit unions have similar programs. The account is yours, but a parent is usually listed as a custodian or co-owner, meaning they can still see activity and may need to approve certain transactions.

The difference from a joint account is subtle but real: the account is legally yours, and you have more control over day-to-day spending. However, your parent can still access it and may be able to freeze it or set limits. Some teen accounts come with spending caps or require parental approval for online transfers, though this varies by bank.

Not every bank offers a teen account, and the features change frequently. Call your bank or check their website for "teen account," "youth account," or "first account" to see what they have. If you are opening an account for the first time, ask whether they offer an under-18 option and what the rules are about parental access.

Solo accounts at 17 without a parent

A small number of banks and online banks let you open an account in your name alone at 17, but the rules are strict and vary widely. Some require proof of income or employment, others require you to be 18, and some have no teen accounts at all. Online banks like Chime, LendingClub, and others sometimes allow it, but you will need to check their specific age policy.

If you want to explore this route, contact the bank directly and ask: "Can I open a checking account at 17 without a parent or guardian?" Be prepared for the answer to be no. If it is yes, ask what documents you need — usually a government ID, Social Security number, and possibly proof of income or a phone number where they can reach you.

What you need to bring to open an account

Regardless of which type of account you choose, bring the same documents to the bank:

  • A government-issued photo ID (state ID, driver's license, or passport)
  • Your Social Security number or Individual Taxpayer Identification Number (ITIN)
  • Proof of your address (a utility bill, lease, or school ID may work, though rules vary)
  • If opening a joint account, your parent's ID and Social Security number as well

Some banks also ask for a phone number and email address. If you do not have a state ID yet, a school ID or passport works at most banks. Call ahead to confirm what your specific bank needs — it saves a trip.

What happens after you turn 18

If you opened a joint account at 17, it does not automatically change when you turn 18. Your parent stays on the account unless one of you goes to the bank and removes them. You can ask the bank to remove your parent's name, or your parent can remove themselves — either way, you will need to go in person or call and verify your identity.

If you opened a teen account, the bank may automatically convert it to a regular adult account on your 18th birthday, or they may send you a notice asking what you want to do. Read any mail from your bank around your birthday so you know what is happening.

Frequently Asked Questions

Can I open an account at 17 without telling my parents?

If you are opening a joint account, no — your parent has to be there and sign paperwork. If you are opening a teen account or a solo account, it depends on the bank. Some banks will contact your parent or require their signature even if the account is in your name. Call the bank first and ask their specific policy.

What if I do not have a Social Security number?

You can use an Individual Taxpayer Identification Number (ITIN) instead. If you do not have either, you will need to get one before opening an account. You can explore for an ITIN through the IRS website or by mail if you are not a U.S. citizen but live here.

Can I get a debit card at 17?

Yes. Any account you open at 17 — joint, teen, or solo — comes with a debit card. The bank will mail it to you, usually within 5 to 10 business days. You can use it to withdraw cash, make purchases, and check your balance online.

What if the bank says I am too young?

Try a different bank or a local credit union — they often have more flexible age policies. Credit unions in particular may let you open an account at a younger age or with fewer requirements. You can also ask whether the bank will let you open an account once you turn 18, and plan to do that instead.

Do I need a job to open an account at 17?

No. Most banks do not require proof of income to open a checking account at any age. A few online banks or specific teen accounts may ask, but the majority do not. If a bank asks and you do not have a job, try another bank.