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| Q3 2023 market commentary | Once the child reaches their 18th birthday, they automatically assume ownership of the account. Opening a joint account with your child is a smart way to teach them financial responsibility. Call to find the nearest branch and schedule an appointment. Written by Spencer Tierney. With a checking account, you can access your money with a debit card, through bank wire transfers or by writing checks. |
| Account opening | Be sure to ask the bank how much money you need to deposit to open an account and what the minimum balance is to avoid fees. Banks can also require you to complete an application for a new account. ChexSystems is the banking equivalent of the credit reporting bureaus. Choose a Bank or Credit Union. You generally need to open a savings account to establish membership, in addition to other accounts you want to open. If you're not sure what type of account you want, consider what your needs are. However, you can open an account, such as a joint account, as a minor with a parent or guardian. |
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