How to open a bank account for a minor

Set your teen up for success. Open their first bank account together.

Can a minor open a bank account? Absolutely – with your help. U.S. Bank allows minors to have a bank account if they’re 14 or older and an adult is an authorized user on the account. Although it can’t be done online, the process of opening an account for a minor is quick and easy.

Let’s partner together.

Opening a first bank account is an important milestone in your teen’s path to adulthood. We can help you teach them financial responsibility. By opening a U.S. Bank account together, they’ll have the opportunity to feel proud as they become more self-reliant, and you’ll have the opportunity to provide as much oversight as you deem necessary. Monitor their account daily or remain on the sidelines. Your level of involvement is up to you.

Enjoy the benefits of our Student Checking.¹

We offer full-service checking accounts for minors. The U.S. Bank Student Checking Account has features designed to meet your teen’s specific stage in life.

No monthly maintenance fee
Low minimum opening deposit of $25
Easy transfer of money
One of the largest ATM networks in America and no ATM transaction fees at U.S. Bank ATMs and MoneyPass^® Network ATMs²
Mobile check deposit
Detailed transaction information and alerts
Online banking and an award-winning mobile app
A Digital Security Guarantee
24/7 customer service
No fee overdraft protection with transfers made from a linked savings account

Enjoy the benefits of our Standard Savings.

U.S. Bank Standard Savings has features that are ideal for new savers.

$25 minimum opening deposit
Low minimum balance requirements
Earns interest
Automated savings option
Custom account alerts
Low monthly maintenance fee of $4. Waive the fee by meeting one of the following three requirements: $300 minimum daily ledger balance³ or $1,000 average monthly collected balance⁴ or account holder(s) under age 18.⁵

How to open a bank account for a minor

Opening an account for a minor is easy and takes just minutes. You and your teen can stop by a local branch together and a banker will be happy to help you. Or schedule an appointment in advance.

Here are several things to know:

Your child must be 14 years old or older.
Both you and your child must be present.
You must both have a valid primary ID, such as a U.S. State Driver’s License, a U.S. State ID Card or a U.S. Passport.
The primary ID must have a photo, and it cannot be altered or expired.
A secondary form of ID may be requested. If so, a student ID, a workplace ID or a major credit card are all acceptable.
You must show proof of address, such as a utility bill or financial statement.

Bank when, where and how you want.

More than 1 million customers have given the U.S. Bank Mobile App an overall rating of five stars. The app can help you guide your teen on their path to become financially responsible and independent.

View detailed transaction information and track spending by category.
Easily send,⁶ receive and request⁷ money with friends and family using Zelle^®.
Set customized alerts⁸ to stay aware of low balances, large purchases and more.
Receive personalized insights based on saving and spending activity.
Get quick, personalized banking answers with U.S. Bank Smart Assistant™.
Securely share your screen with a banker, with optional face-to-face video, for hands-on help when you need it.

Get the app

Explore our online financial resources together.

We have tools and tips specifically designed for teens and their parents. Our Financial IQ provides an abundance of information on topics relevant to you and your teen.