Generally, whether a minor can open accounts, etc. is covered by state law. In this state (Kansas), minors are allowed by law to open checking accounts. This means then that they also can have access to all of the features of the account, such as an ATM card or debit card. However, for those minor children still living at home and, presumably, still under their parents "wing", so to speak, we have the parent sign a statement of consent and acknowledgement of their responsibility for the minor's use of a debit card.