If you want to get your kids on the road toward financial responsibility, start here! Once you have your own personal savings account (not custodial), teen checking will teach you how to use a debit card responsibly. This account is intended for teens ages 13 to 19. There's no minimum balance requirement and the minimum deposit to open is just $50. With our debit card you'll get unlimited transactions online, in stores and access to over 32,000 free ATMs nationwide.