Can a 12 year old have a checking account?

Answer 1

Yes, provided either of your parents accept in your account opening and guarantee to supervise the account and be the accounts guardian.

Only majors are allowed to operate bank accounts independently. Children need the supervision of adults for opening accounts.

Answer 2

Yes. All banks do that. All banks have facilities where kids can open bank accounts. However, they will require an adult to be a joint holder or guardian for the account until the kid turns 18. The kid can visit the bank branch themselves to deposit any cash they want (you can even deposit $5 or $10 into a kids savings account). Actually banks these days are encouraging kids to have their own bank account in order to educate them about money and how to save for a better future.

Answer 3

Yes if you have a guardian who is ready to sign for you to supervise the account usage.

Answer 4

No. A checking account issues checks, which are actually legal "contracts" to pay. Minors are legally incapable of writing contracts.

Answer 5

Yes but you can not do it on your own, you need a parent or guardian to go with you and sign for your account.

Answer 6

Yes, but an adult must co-sign the checking account