Tips to be kept in mind for a teen while checking accounts

In the present day and age, teens become highly aware of financial independence and the importance of saving money. As a result, a large percentage of them are opening bank accounts. Guardians also tend to support them as this practice instills the habit to save money for funding their higher studies or securing their future. Here are a few tips that guardians and parents need to know when children open their checking accounts.

Choose the correct age
You must choose the appropriate age for your child to open a checking account. Banks usually allow a 13-year-old to open an account. Keeping a debit card in the wallet connected to an active account is similar to keeping cash in the wallet, they should understand this. For 13-17 years old account holders their parents are allowed to supervise those accounts. You can set up restrictions if you want to.

Know the availability
Usually, most of the student checking accounts are lower in price or free. In some banks, students who are below 24 years do not need to pay any monthly maintenance fee and are not required to hold a minimum balance. Look for online features which will help your child to access his account easily. Online access will provide you with free direct deposit, mobile banking, e-statements, and a debit card. You can easily transfer money online for your teen.

Set it up together
You may connect your child’s checking account with a savings account where he can save his money earned from a job or anywhere else. You must allow them to use their debit card and you must keep a close watch on all their transactions. Your child must know that he should never share his bank details with anyone.

Monitor activity
Once your child grasps the basics of account handling, let them spend some time on free checking accounts every day. Your child should request text alerts if the account balance is low. You should teach your child all these things in proper way.

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