 um rachel cruz and her brothers and sisters all had one at 14 and 15 had their own debit card uh the only thing was they did not have free reign uh old dad was checking it all the time to see what you were spending where you were spending it how you were spending and that you were managing the account correctly because this is not a right this is a teaching aid i agree with that i had mine at 16 when i got my first job