Teen Checking Account Options

Take the next financial step with your teenager. Whether they’re starting their first job or heading off to college, opening their own checking account is a good way for them to begin to independently manage their money. With resources like online and mobile banking and bank accounts designed with students in mind, Santander Bank wants to support anyone opening their first bank account.

How Old Do You Have to Be to Open a Checking Account?

You must be 18 to open a checking account on your own. Learn more about how to open a checking account for the first time.


While anyone is eligible for any of our checking accounts after the age of 18, if your student is between the ages of 16 and 25, we recommend the Student Value Checking account. With no minimum balance, no Monthly Fee,1 and access to great features like Apple Pay and the Santander Mobile App, it’s a great account to get started with.


Learn more about Student Value Checking.

Checking Accounts for Minors

If your student is under the age of 18 but over the age of 14, they can still open a checking account with a parent or legal guardian as a co-owner. This means that both parties will have equal access to and responsibility for the account.


Find out more about opening a joint checking account with a family member.


Interested in opening a bank account for someone under the age of 14? Consider Santander Youth Savings, a great bank account for kids.

How Old Do You Have to Be to Get a Debit Card?

The same rules apply for debit cards, since they’re linked to a checking account. Anyone over the age of 18 is eligible, or if they’re between the ages of 14 and 18, they can get a debit card with a parent or legal guardian as a co-owner of the account.

Want to Learn More?

Students are all about learning, and so are we. Take advantage of valuable student resources from Santander Bank.


Financial Tips for College Students
Ways to Build Credit
Funding for Education
Mobile Banking


Learn more about our dedication to higher education at Santander Universities.

May We Also Suggest?

1Other fees may apply, including a Paper Statement fee, if you elect to receive paper statements. Refer to your fee schedule for details.

2Account is available to students 16-25 years of age (legal guardian co-owner required for those between 16-18 years). Once you reach 26, we may convert your Student Value Checking to another checking product.