Most banks let you open a minor account online, but you'll need a parent or guardian to do it with you

You cannot open a bank account by yourself if you're under 18. Every bank requires a parent or guardian to be present—either in person or, increasingly, online through video verification. The account will be in both your names, and the adult controls it until you reach the age of majority (usually 18, sometimes 21 depending on the bank and state).

Many major banks and online-only banks now offer online account opening for minors. The process typically involves the adult starting the process on the bank's website or app, uploading ID for both of you, and completing a video call with a bank representative. Some banks still require an in-person visit, so if that's not possible for you, check before you start.

The timeline varies. Online applications can be approved within hours or take a few business days. In-person accounts are usually ready the same day. You'll need a Social Security number, proof of identity (like a school ID or passport), and the adult's ID and proof of address.

Key Takeaways

  • A parent or guardian must open the account with you—you cannot do it alone, even if the bank offers online opening.
  • Online opening is available at most major banks and many online-only banks, but some still require an in-person visit.
  • The account will be a joint account in both names, with the adult having full control until you reach the age of majority.
  • You'll need both your Social Security number and ID, plus the adult's ID and proof of address, to complete the process.
  • Approval can happen within hours for online applications, but allow a few business days to be safe.

Which banks offer online account opening for minors

Chase, Bank of America, Wells Fargo, and Citibank all allow online opening of minor accounts, though the exact process and requirements vary slightly. Chase and Bank of America use video verification for the adult's identity. Wells Fargo requires an in-person visit at a branch for minors under 13, but allows online opening for ages 13 and up. Citibank offers online opening for minors 13 and older.

Online-only banks like Ally, Charles Schwab, and Fidelity also offer minor accounts online. Ally's process is straightforward: the adult starts the process, uploads ID, and completes a video call. Charles Schwab and Fidelity have similar setups. These banks typically have lower or no monthly fees, which can be a real advantage if you're just starting out.

Credit unions vary widely. Some allow online opening for minors; others require an in-person visit. If your family banks with a credit union, call or check their website first—don't assume they offer online opening just because a national bank does.

What the adult needs to do to open the account

The parent or guardian starts the process on the bank's website or app and enters their own information first. They'll upload a photo of their ID (driver's license, passport, or state ID) and proof of address, usually a recent utility bill or bank statement. Some banks ask for this during the video call instead of uploading it beforehand.

Next, they'll enter your information: your full name, date of birth, and Social Security number. You'll need to be present for the video call, which is where the bank verifies the adult's identity and confirms that both of you are real people explore together. The call usually takes 5 to 10 minutes. The bank may ask you questions directly to confirm you're who you say you are.

After the call, the bank reviews the process. If everything checks out, the account opens. Some banks send debit cards within 3 to 5 business days; others offer temporary digital cards you can use when ready while the physical card is in the mail.

What happens if the bank requires an in-person visit

If your bank doesn't offer online opening for minors, you and the adult will need to visit a branch together. Bring both IDs, proof of address for the adult, and your Social Security number (or the card itself). The banker will verify everything in front of you, open the account, and usually issue a debit card on the spot or within a few days.

Some banks require the adult to be present for every transaction until you turn 18; others allow you to use the account independently once it's open. Ask the banker what the rules are for your account before you leave the branch. This matters if you plan to use the account at ATMs or online without the adult present.

Joint accounts and what the adult can see

The account will be a joint account in both your names. The adult has full access: they can see all transactions, withdraw money, close the account, and change the account settings. You can use the debit card and make deposits, but the adult controls the account until you reach the age of majority.

This is not a privacy issue—it's how minor accounts work. The adult is legally responsible for the account and for you, so banks require them to have full control. If you're uncomfortable with the adult seeing your spending, this is something to discuss with them before opening the account. Some families agree on spending limits or set aside money that's yours to use without questions.

When you turn 18 (or 21, depending on the bank), the account automatically converts to a solo account in your name. The adult's name comes off, and you have full control. Some banks send a notice before this happens; others don't, so mark your calendar and check with the bank a few months before your birthday.

Fees and account types for minors

Most banks offer no-fee checking accounts for minors. Chase, Bank of America, and Wells Fargo all have free minor checking accounts with no minimum balance. Online banks like Ally and Charles Schwab also have no monthly fees. Some banks charge a small monthly fee ($5 to $10) if the account doesn't meet certain conditions, like a minimum balance or direct deposit, but these are rare for minor accounts.

Savings accounts for minors are also available and often come with higher interest rates than adult savings accounts. If the goal is to save money rather than spend it, a minor savings account might make more sense. Some banks let you open both a checking and savings account at the same time.

Avoid accounts that require a parent to co-sign a loan or credit product. Minor accounts are for banking only—checking, savings, and debit cards. Anything involving credit (credit cards, loans) requires you to be 18 and have your own income or credit history.

What to do if you can't open an account online

If your bank doesn't offer online opening and an in-person visit isn't possible, you have a few options. First, ask the bank if they'll make an exception or if they offer any workarounds—some banks will open accounts over the phone with video verification if you ask. Second, consider switching to a bank that does offer online opening. Moving banks is free and takes a few days; you can transfer money from an existing account or deposit cash at an ATM.

Third, if the adult can visit a branch in person without you, some banks will allow that. Call ahead and ask. Fourth, if you're 16 or 17, some banks treat you differently than younger minors—they may allow you to open an account with less adult involvement. Again, call and ask.

If none of these work, waiting until you turn 18 is always an option. You'll be able to open an account entirely on your own at that point, with no adult involvement needed.

Frequently Asked Questions

Can I open a bank account online without telling my parents?

No. A parent or guardian must be part of the process and the video call. The account will be in both your names, and they'll have access to it. If you're concerned about privacy, talk to them about what information they'll see and what boundaries you can agree on together.

What if my parent doesn't have a government ID?

Most banks require a valid government ID (driver's license, passport, or state ID) from the adult. If your parent doesn't have one, they'll need to get one before opening the account. This can take time, so plan ahead. Some banks may accept alternative documents—call and ask before your parent applies for an ID.

How long does it take to get a debit card after opening the account online?

Physical debit cards usually arrive within 3 to 5 business days. Many banks offer a temporary digital card you can use when ready in the app or on your phone for online shopping and contactless payments. Check your bank's app after the account opens to see if a digital card is available.

Can I use the account without my parent knowing what I'm spending?

No. The adult on the account can see all transactions. This is a legal requirement for minor accounts. If privacy is important to you, discuss spending limits or categories of spending that are yours to manage without questions.

What happens to the account when I turn 18?

The account automatically converts to a solo account in your name. The adult's name is removed, and you have full control. The bank should notify you before this happens, but check a few months before your 18th birthday to make sure the conversion is on track.