Most Kentucky banks that I've dealt with would conclude that a checking account would be inconsistent with the purpose of the account, holding funds for the minor; i.e. they would not open one for a UTMA custodian. A debit card would be one step more inappropriate.
To be clear, I'm not saying it's "illegal;" just foolish.
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.