Reddit
reddit.com › r/banking › i am 17 and i want a bank account with no connection to my parents.
r/Banking on Reddit: I am 17 and I want a bank account with no connection to my parents.
June 13, 2025 -
I do not want to have to sponsor my parents. I want this account to be mine alone without them knowing. Can someone walk me through the steps and does it have to be in person?
Does Bank of America allow me to receive money from jobs? I currently have an account with wells fargo that my parents manage as well
Top answer 1 of 5
39
If you are in the US, you have to wait until you are 18.
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Select one or more banks or credit unions with branches local to you so that you can meet with someone in person when necessary. Ask what they offer. Many have accounts of varying types for minors. Looks like Bank Of America offers sole owner accounts at 16: https://info.bankofamerica.com/en/student-banking/banking-accounts Well Fargo at 17: https://www.wellsfargo.com/savings-cds/kids/ How to open a Way2Save Savings account: Teens 13 – 17 can open as an individual or with an adult co-owner with Local credit unions probably have options too.
Get Schooled
getschooled.com › article › 5967-how-to-open-a-bank-account-as-a-teen
How to Open a Bank Account as a Teen | Get Schooled
If you are under 18, there are ways that you might be able to get a bank account without a parental signature. For example, if you are 16 or 17 years old, have proof of identification, and can show a source of income, some banks may offer you something called a “noncustodial” account.
PNC
pnc.com › insights › personal-finance › spend › how-old-to-open-a-bank-account.html
How Old Do You Have to Be to Open a Bank Account? | PNC Insights
However, there are several options that allow children and teens to access the banking experience before 18 with an adult cosigner or custodian[1]. While it may not be possible to open a bank account while under 18 without a parent or guardian, ...
What Age Can You Open a Bank Account?
How old do you have to be to open a bank account? Usually, a person has to be 18 to open their own account. However, there isn’t a federal law that sets a minimum age at which you can have a bank account. Each state can have its own regulations regarding accounts for young savers and, depending on the state, financial institutions also may have the ability to set their own rules.
sofi.com
sofi.com › learn › content › age-to-open-bank-account
How Old Do You Have to Be to Open a Bank Account? | SoFi
What is the youngest age to open a bank account?
In terms of at what age you can open a bank account, there’s no single rule. Typically, though, you must be age 18 or the age of majority in your state to have your own account. But, via joint accounts and custodial accounts, even younger individuals can have some banking privileges.
sofi.com
sofi.com › learn › content › age-to-open-bank-account
How Old Do You Have to Be to Open a Bank Account? | SoFi
How do I open a bank account for a minor?
To open a bank account for a minor, you typically need various forms of identification, proof of residence, and an opening deposit. If the minor will share the account, they will need to provide identification as well.
sofi.com
sofi.com › learn › content › age-to-open-bank-account
How Old Do You Have to Be to Open a Bank Account? | SoFi
Bank of America
info.bankofamerica.com › en › student-banking › banking-accounts
Bank Account Options for Kids, Teens, Students & Young Adults | Bank of America
Teens ages 16+ may apply as the sole owner of the account. Teens under 16 years old may also open with a parent co-owner at a financial center.
Chase
chase.com › education center › personal banking › banking basics
Can a Teenager Have a Bank Account? | Chase
June 9, 2022 - Can a teenager have a bank account? Typically, yes but learn more about the process and benefits related to opening a bank account for a teenager.
Wells Fargo
wellsfargo.com › checking › student
Student and Teen Checking | Wells Fargo
Our teen checking account, Clear Access Banking, can be opened as an individual account for older teens (17 years old and up) or as a joint account with a parent or guardian for teens ages 13-16.
Wells Fargo
wellsfargo.com › checking › clear-access-banking
Open a Wells Fargo Clear Access Banking Account Online | Wells Fargo
Can a minor open a bank account without a parent? Can a minor open a bank account without a parent? 17-year-olds can open this account without a parent.
Reddit
reddit.com › r/banking › can a 17 year old open a bank account without a parent in the us
r/Banking on Reddit: Can a 17 year old open a bank account without a parent in the US
January 29, 2024 -
Is there any banks that allow a 17 year old to open a bank account without needing a parent. I live in Nebraska.
Top answer 1 of 5
6
Depends on your location and the individual bank. It can happen in places.
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https://www.wellsfargo.com/checking/clear-access-banking/#:~:text=Can%20a%20minor%20open%20a,need%20an%20adult%20co%2Downer . -you would need to be in person -$25 minimum deposit -$5 fee "every fee period" (this wouldn't apply to you, as you are between 13 and 24)
U.S. Bank
usbank.com › bank-accounts › how-to-open-a-bank-account-for-a-minor.html
How to open a bank account for a minor | U.S. Bank
December 4, 2025 - There are no age requirements for savings accounts. Greenlight6 accounts are for minors up to 17 years of age and their families. Greenlight is complimentary for all our clients who hold an eligible U.S.
SoFi
sofi.com › learn › content › age-to-open-bank-account
How Old Do You Have to Be to Open a Bank Account? | SoFi
September 23, 2025 - In general, a bank account can be started at any age — as long as a parent or a guardian serves as a joint account holder. Opening a bank account can help kids gain hands-on money skills and learn how a bank account works.
Reddit
reddit.com › r/personalfinance › bank account for a teen without parents knowing?
r/personalfinance on Reddit: Bank account for a teen without parents knowing?
March 15, 2020 -
I have a situation at home where I don't want my parents to have access to my money in case I ever need to leave and be financially independent and not be trapped at home. I am 17 in the United States and don't have a car to get around. I sell things online and make a sustainable income where I could pretty much live on my own with that money. The problem is, all of that money goes to a high school checking account that my parents have full control over.
What are my options in terms of creating an online checking account with just my own information? Is this even possible? I've seen some suggestions on a really old thread about getting prepaid reloadable cards, but I don't think you can have deposits and get paid directly from things like shopify or payment gateways.
I do have someone over the age of 18 willing to co-set up and provide information on setting up, but of course would rather keep it to myself. I trust this person enough to have them able to access my account or whatnot.
So what are easy online bank accounts that i can open online? Is there any real differences between capital one, simple, etc?
Top answer 1 of 3
22
Don't listen to all these people saying you can't open an account by yourself. They are wrong. I am a teller at Bank of America (I'm not paid to market, this is my personal advice. The other big banks probably have similar programs). You can walk into any Bank of America and as long as you have $25, a valid government ID (driver's license, passport, state ID) and a second form of ID (a student ID, social security card, or your other debit card) you can open specifically and only an Advantage SafeBalance Banking account as a sole-owner and without parental consent. With a student ID you will get a waiver of the monthly maintenance fee until your turn 24, and the account has no overdraft fees or check writing capabilities to prevent young student from getting themselves in trouble.
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You can open an account as a minor. I believe the issue is that if your parents find out about it they can access to funds if they can’t prove if your a minor and they are your guardian. You will need identification, proof of address as well as an ssn.
Capital One
capitalone.com › bank › money management › banking basics › opening a teen bank account
Opening a Bank Account for Teens | Capital One
While some financial institutions require you to be a parent or legal guardian, others allow anyone over 18 to be the joint account holder.
PNC
pnc.com › insights › personal-finance › spend › can-a-teenager-have-a-bank-account.html
Can a Teenager Have a Bank Account? | PNC Insights
Teens who are still minors in their state (usually under 19 or 18) will need a parent or guardian to help them open an account. Depending on the financial institution's requirements, a government-issued ID may be needed for either the teen, ...
Greenlight
greenlight.com › learning-center › saving › how-old-do-you-have-to-be-to-open-a-bank-account
Minimum age required to open a bank account
Some banks require a parent or a legal guardian to share the account, while others only look at age. It varies by bank. Some have no minimum age requirement; others may require the child to be 7, 10, or even 14 years old.
WallStreetZen
wallstreetzen.com › blog › minimum age to open a bank account: are you old enough?
Minimum Age to Open a Bank Account: Are you Old Enough?
June 19, 2023 - The only way to open a bank account under 18 without a parent or guardian is if you're "legally emancipated." If you're the legal adult guardian of a 14-year-old child, you can open a joint or custodial bank account for them.
Chase
personal.chase.com › personal › first-banking
Chase First Banking: Debit Card for Kids and Teens | Chase.com
Benefits offered to these checking accounts do not apply to Chase First Checking accounts. To promote parental controls and guardrails, only the parent/guardian who opened the account can fund or manage it. You can open a Chase First Checking account for your child who is 6 - 17 years old.
Citizens Bank
citizensbank.com › financial education › is your teen ready for a bank account? here's what to know
Is Your Teen Ready for a Bank Account? Here's What to Know | Citizens
How old you have to be to open a bank account can depend. Learn what to consider about teen checking and savings accounts.
Quora
quora.com › Can-I-at-18-to-open-a-bank-account-without-my-parents-being-able-to-find-it-Already-an-account-under-my-name-that-I-have-no-control-over-made-a-week-or-two-before-I-turned-18-joint-w-parent-I-wont-be-making-an
Can I at 18 to open a bank account without my parents being able to find it? (Already an account under my name that I have no control over made a week or two before I turned 18, joint w/parent) I won't be making an account with that same bank either. - Quora
Answer (1 of 13): you can open an account on your own the day you turn 18, I helped my daughter open one that day - by that I mean we reviewed banks and I answered questions and suggested things, she chose one and it is hers as to find it - ...
Credit Union West
cuwest.org › banking › savings › youth-accounts › its-my-money
Savings Accounts for Kids 12 -17 | It's My Money | Credit Union West
A parent or guardian is required to be a joint owner on the account if the member is between the ages of 12 – 15. If the member is 16 – 17 years old, a parent or guardian is not required on the account. ... Easily access your monthly statements online. ... Download the Credit Union West ...
Reddit
reddit.com › r/personalfinance › i’m a teen (17) who wants to open up a bank account independent from parents?
r/personalfinance on Reddit: I’m a teen (17) who wants to open up a bank account independent from parents?
September 9, 2018 -
I just recently got a job and I obviously need some type of savings and/or checking account but I want it completely out of my parents’ reach. They’ve borrowed money from my siblings (hundreds at a time) and guilt trip them into not paying back. I have two siblings that are older than 18; one is older than 21. Is it possible for them to be the guardian in this situation or do my parents have to legally allow it? They are moving out of state soon, will this cause a problem? I live in a small community so the number of banks are limited, some near me are:
Chase Bank
PNC Bank
Bank of America
Wells Fargo
BB&T
TD Bank
Top answer 1 of 8
5
You'll have to ask at the banks. You can make a joint account. Some require a family member to be the joint owner, not necessarily your parent. Some allow any adult as co-owner. TD Bank: an adult co-owner https://www.tdbank.com/tdhelps/default.aspx/joint-account-with-minor/v/41388458/ Wells Fargo: an adult co-owner Capital one 360 (online): an adult co-owner BoA: parent or guardian
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I think you might be able to open a Student Checking Account for Bank of America, which is what I did.