I believe you need the account to be co-owned by a parent until you are 16. I know that when I was under 14 with a paper route and needed a checking account (ea

I believe you need the account to be co-owned by a parent until you are 16. I know that when I was under 14 with a paper route and needed a checking account (early 2000's), I needed my mother to be on the account as well. While that doesn't prevent shit in terms of underage users here, at least parents who know and watch out for this can check and know that their kid is using it.