What to know about accounts for ages 13-17
Minors aged 13–17 can open a checking or savings account with a parent or legal guardian as a co-owner.
No. Minors under 18 must have a parent or legal guardian as a co-owner. Individual accounts are only available once the minor turns 18.
The adult co-owner shares legal responsibility for the account, is able to monitor and help manage account activities, and is required to remain on the account until the minor turns 18.
Yes! You can open a joint account online or through the Starion mobile app. The minor and adult must both be present and have their documents ready.
The minimum opening deposit varies by account. Please refer to the specific account details page for more information.
- Select the “Joint Account” option when prompted.
- The minor must have their birth certificate or Social Security card. You can also include a driver’s permit or government-issued ID.
- Adult Co-Owner must have their valid government-issued photo ID.
- Social Security Numbers are required for both the minor and the adult.
- Note: having a mobile phone available may simplify the photo upload process.
- All online applications are subject to approval.
- Starion Bank may request additional documentation or verification.
Starion Bank is happy to help you convert the minor account to an individual account.