At What Age Can I Get My Own Debit Card?

A debit card offers a direct way to access funds from a bank account, serving as a convenient tool for everyday transactions. It allows individuals to make purchases, pay bills, and withdraw cash without needing physical money. Unlike credit cards, debit cards draw directly from available funds, helping users manage spending effectively.

Age Requirements and Account Options

In most states, individuals must be at least 18 years old to independently open a bank account and obtain a debit card. However, several options exist for those under 18 to gain access to a debit card under adult supervision.

Youth accounts are a common avenue for minors to receive a debit card. These accounts typically require a parent or legal guardian to be a joint account holder. Age requirements for these accounts can vary, with some banks offering them for children as young as six, while others start at ages 11, 13, or 14. The adult co-owner maintains oversight, often with features like spending limits, transaction monitoring, and alerts.

Minors can also be added as authorized users to an adult’s existing bank account, which may grant them a debit card. This setup allows the minor to spend funds from the adult’s account, providing a way to introduce financial responsibility. Prepaid debit cards offer another alternative, as they do not require a traditional bank account and can often be obtained by or for younger individuals, sometimes with no minimum age. These cards are loaded with funds and can be used for purchases or ATM withdrawals, but without a direct link to a bank account.

Information and Documents for Application

Before applying for a bank account and debit card, individuals need to gather specific information and documents to verify identity. For adults aged 18 or older, standard requirements include a valid government-issued photo identification, such as a driver’s license, state ID card, or passport. A Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is necessary for identity verification. Proof of address, such as a recent utility bill or rental agreement, is required to confirm residency.

When opening an account for a minor, similar documentation is needed for both the minor and the parent or guardian. The parent or guardian will need their government-issued photo ID, SSN, and proof of address. For the minor, a Social Security Number or birth certificate is commonly required, along with proof of parental relationship or guardianship. An initial deposit is necessary to activate the new account.

The Application Process

Once all necessary information and documents are prepared, the application process for a bank account and debit card can begin. Individuals typically have two main options for applying: in-person at a bank branch or online through the bank’s website or mobile application. Applying in person allows for direct assistance from a bank representative, which can be helpful for complex situations or if immediate questions arise. Online applications offer convenience, allowing individuals to complete the process from home, often within minutes.

After submitting the application, the bank will review the information and verify identity, which can take a few minutes to several business days. Once the account is approved, the debit card is mailed to the applicant’s address. Mailing usually takes 7 to 10 business days, though expedited delivery may be available. Upon receiving the card, it must be activated before use. Activation can be done online through the bank’s website or mobile app, by calling a customer service number, or by setting a PIN at an ATM.