 And then as far as the bank account goes that they actually operate their lives out of, 14, 15, or 16, depending on their personal maturity. Rachel Cruz and her brothers and sisters all had one at 14 and 15, had their own debit card. The only thing was they did not have free reign. 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.