How Old Do You Have to Be to Own a Debit Card?

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Capital One explains that anyone under 17 is typically given an ATM card, while those over 17 receive debit cards. The Branch Banking and Trust Company (BB&T) notes that it offers prepaid debit cards to teens who can't yet get a debit card; other banks may have different policies

According to BB&T, a teen can build his banking history by using a prepaid debit card until he is able to start a checking account of his own, which is necessary to have a debit card. While regular debit cards are generally not offered to those under the age of 18, prepaid cards allow a person to gain experience using financial products and building a responsible financial track record.