Most banks let 17-year-olds open accounts online, but you'll need a parent or guardian to co-sign
A 17-year-old can open a checking or savings account online at most major banks, but the process differs from opening an adult account. You cannot open an account entirely on your own—a parent or guardian must be present during the application, either in person or by video verification, depending on the bank. Some banks allow you to start the application online and finish it with your parent, while others require you both to be present from the start.
The account will be a joint account or a custodial account, meaning your parent or guardian has legal authority over it until you turn 18. You'll have access to the debit card and online banking, but your parent can see transactions and set spending limits. Different banks handle this differently—some automatically convert the account to your name alone when you turn 18, while others require you to sign new paperwork.
Key Takeaways
- You need a parent or guardian present to open an account online at 17, either by video call or in-person verification depending on the bank.
- The account will be joint or custodial, meaning your parent has legal control until you turn 18, though you can use the debit card and online banking normally.
- Banks that offer online teen accounts include Chase, Bank of America, Wells Fargo, and many credit unions, but requirements vary by institution.
- You will need a Social Security number, proof of identity (yours and your parent's), and proof of address to complete the application.
- Some accounts have age restrictions on features like overdraft protection or wire transfers until you turn 18.
What documents you need to bring or upload
Both you and your parent will need to provide identification. Acceptable forms include a driver's license, state ID, passport, or school ID. You'll also need your Social Security number and your parent's Social Security number. The bank will ask for proof of address—this can be a utility bill, lease agreement, or bank statement in your parent's name dated within the last 60 days.
Some banks ask for additional information, such as your school name and grade level or employment status. If you work, you may need to provide a recent pay stub or W-2. Have these documents ready before you start the application, as the process moves faster when you don't have to stop and search for them.
Banks that let 17-year-olds open accounts online
Chase offers the Chase First Banking account for ages 6 to 17, opened online with a parent. You get a debit card and online access, and the account converts to a standard Chase account when you turn 18. Chase requires video verification with your parent during the application.
Bank of America has the BankAmericard Student account for ages 13 to 17. You can start the application online, but you and your parent must complete it together in a branch or by phone. The account includes a debit card and online banking, with no monthly fee.
Wells Fargo allows 17-year-olds to open accounts online through their teen banking product, which requires a parent to co-sign. Capital One offers the Capital One 360 account with parental co-signature. Credit unions vary widely—many allow online applications for teens with a parent present, while others require an in-person visit. Check your local credit union's website or call to ask about their teen account process.
How the online application works with your parent
The exact process depends on the bank. Some banks let you start the application alone on your phone or computer, then require your parent to log in separately to verify their identity and approve the account. Others use video verification, where you and your parent both appear on camera during a scheduled call with a bank representative who confirms your identities and answers questions.
A few banks still require at least one in-person visit, even if you start online. This typically means visiting a branch with your parent to sign documents and verify ID in front of a teller. Check the bank's website before you start—it will tell you whether the process is fully online, hybrid, or requires a branch visit.
The application itself takes 10 to 20 minutes if you have all your documents ready. After you submit, the bank reviews your information, which usually takes one to three business days. Once approved, you can set up online banking and request a debit card, which arrives by mail in five to ten business days.
Restrictions and features you may not have at 17
Teen accounts often have limits that adult accounts do not. Many banks restrict overdraft protection until you turn 18, meaning if you spend more than you have, the transaction will be declined rather than covered by the bank. Some banks limit daily ATM withdrawals or the number of transfers you can make per month.
Wire transfers, international transfers, and opening a credit card are typically not available on teen accounts. Your parent may also have the ability to set daily spending limits on your debit card, though you can usually request to increase them. Read the account terms carefully—they vary by bank, and knowing the limits before you open the account prevents surprises later.
What happens to your account when you turn 18
Most banks automatically convert your teen account to a standard adult account on your 18th birthday or shortly after. Your parent's name may be removed from the account, or they may remain as an authorized user if you both agree. You'll keep the same account number and routing number, so any direct deposits or automatic payments continue without interruption.
Some banks send you new debit cards or ask you to sign new account agreements when you turn 18. A few require you to visit a branch to complete the transition, though most handle it entirely online or by mail. Check your bank's policy when you open the account so you know what to expect.
Frequently Asked Questions
Can I open a bank account at 17 without my parent knowing?
No. All banks require a parent or guardian to be present and verify their identity during the application process. Your parent will receive account statements and can see all transactions. If you want a bank account, you need to involve your parent in the process.
Do I need a job to open an account at 17?
No. Banks do not require you to be employed. However, if you do work, having a recent pay stub or W-2 can speed up the application. Many teens open accounts to receive allowance or to save money from part-time jobs.
What if my parent doesn't have a Social Security number?
If your parent is an immigrant or does not have a Social Security number, some banks accept an Individual Taxpayer Identification Number (ITIN) instead. Call the bank directly to ask whether they accept ITIN, as policies vary. Credit unions are sometimes more flexible with this requirement than large national banks.
Can I use the account to get a credit card at 17?
No. Credit card companies require you to be 18 and have an independent income to open a credit card in your name alone. At 17, you could be added as an authorized user on your parent's credit card, but that is different from having your own card.
How long does it take to get a debit card after I open the account?
Once your account is approved, the debit card is mailed to your address and typically arrives within five to ten business days. Some banks offer temporary digital card numbers you can use for online purchases while you wait for the physical card.