How old do you have to be to get a debit card in Illinois? Answered

How old do you have to be to get a debit card in Illinois?


How old do you have to be to get a debit card in Illinois? The answer to this question is 13 to 17 years.

You have to lie between the ages of 13 and 17 years of age to get a debit card in the American state of Illinois. You can't open a bank account being younger than 13 at all. 

The state wants you to be mature enough to get a debit card in your name. Anyone who is younger than 13 will be considered immature and will not be allowed to open a bank account and hence will not be given a debit card.

The state wants a person who is mature enough and knows everything about banks and finance. Being younger than the age of 13, you may get a debit card but you may ask your parents or guardians to become your co-owner. To get a debit card as a kid, you have to declare someone as your co-owner or adult parent.

A checking account is the most used bank account that is used to withdraw money via a debit card. A debit card is used to withdraw money from a checking account. 

The account that you use to write checks from. Anyone who is at least the age of 13 years can open a checking account in the very state of Illinois. They need to be mature enough to use their debit cards for withdrawing, depositing, paying and accepting their respective payments and money from others.

If you have a checking account, you will obviously have a debit card with you. Only two types of debit cards are available in Illinois. One is a solid, hard card and the other is simply a digital debit card. It can neither be touched physically nor carried separately. You will always find it right on your cell phone. Either operate it with the bank's application or with their official website.


So, let's list down the steps to get a debit card in Illinois one by one:

  • Start by choosing a checking account at your desired bank account present in the city of Illinois.
  • Then proceed by collecting all the documents that prove your identity. Don't forget to take your social security card, driving license, passport and other valid identity cards.
  • Now proceed by bringing some money to deposit it in your brand new bank account. You have to deposit some money initially into your account.
  • Then open the checking account either through their web application or simply by visiting your nearby bank branch.
  • Now request your debit card from your bank located in your state of Illinois. Then load it with funds as much as possible.
  • Ultimately, you are required to activate your debit card on your own. Once activated, you will be ready to use it in the real world.

Once you are done with activating and making your debit card valid, you are now left with its use in the real life. Now you are eligible and allowed to use it for all your transactions of money. 

You can now use your checking account's bank balance to use it in the real world. A checking account is known to be most profitable to be used by a debit card. You will always remain free from the extra charges that are involved in it. 

A debit card is excellent when it comes to transactions and stuff. You can easily use it to pay and receive money. But there are two things that people should be aware of while using their respective debit cards.

Firstly, you can get your account snatched by places where you use your debit card to pay. There are AIs in the market that can secretly record your account number and empty your entire bank balance. Secondly, it's the fees that are taken by different banks and ATMs while using a debit card there.

So, it is well concluded that you have to lie between 13 to 17 years of age to get a debit card in Illinois. 

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