While Kentucky law indicates that a contract with a minor for a bank account is enforceable, there aren't very many banks foolish enough to say, "Oh, terrific, we can sue a 12 year old! Let's open the account."
The simplest thing is to verify that your contract makes all parties to the account liable for an overdraft regardless of who wrote the check. (Contrary to popular belief the law does not say that.) If the contractual language is in place, require that any account on which a minor is a signatory have an adult (parent or otherwise) on the contract. If dad doesn't want to be responsible for the child's overdraft you gotta figure that he knows the kid better than you do and your bank is on notice that you do not want to open the account for this kid.
Just an observation: Children do not need checking accounts, debit cards, etc. Some banks make these offerings into the equivalent of a hobby and devote too much time to their administration.
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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.