<prompt> Human: I know a teenager who, for home life reasons, wants his own bank account and doesnt want his mother to have access to it. He said you have to have a parentguardianadult on the account as well. This is news to me. When I was his age teenagers could have their own accounts and their parents didnt have to know or co-sign. Do any banks anywhere still do this?  <response>: Banks dont always require the parents, they may just require someone over 18, who is responsible for the account in the case that it becomes overdrawn. It is extremely hard for us to collect a debt from a 16 year old. 