In most cases, banks may hesitate to do business with someone under 18, as they are not legally an "adult" and should you be unable to pay any debt, it would be hard for them to collect. Most banks offer either a student credit card with a low limit, which a responsible student can slowly be offered more credit or an ATM/Debit card with a Visa or Mastercard logo - which can be used as a credit card, but uses money already in your account instead of 'credit'. Contact a bank in your area about theae options. Also, you've made a great step in starting a credit history at this age. It will help you out down the road when you want to buy a house or a car!