I agree with Randy but want to point out that (check your state law) a minor may be able to have their sole owner account and can still be liable for overdrafts and fees. But I don't believe, at least in Texas, that borrowing is allowed or encouraged. The inadvertent OD may be allowed, but an ODP would be a separate issue from a contracted loan and that is what comes back to Randy's comment about contracting for an ODP/debt. So separate the inadvertent OD from an ODP. Some banks will not voluntarily pay a minors account into the OD at all.