The US is pretty strict about it, legally speaking. If I recall correctly, the reason I couldn't get a debit card for my bank account as a 14/15 year old witho

The US is pretty strict about it, legally speaking. If I recall correctly, the reason I couldn't get a debit card for my bank account as a 14/15 year old without giving a guardian access to my account is that issuing a debit card required signing a contract and I legally couldn't do that. Minors do sign things, they just have no legal validity for the most part (I think employment docs for kids over 14/16 might be an exception, but a lot of states regulate that and mandate an adult's consent as well).