For Chase Bank customers, HS checking is an option for 13-17 year olds (can keep until they turn 19). If it is linked to a parent account, there is no fee. It comes with a debit card. We have one for ds15 and will probably open one next year for ds13. I think it's good experience, and it was nice when he received a few checks for his confirmation. He's learned to electronically deposit, pay for things with a debit card, set up a credit/debit card online (on his Amazon account) etc...