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AT 18 you are an adult in the U.S. and can open an account by yourself. Proudly walk into any bank or credit union and tell the customer representative you want. Opening a bank account for your teen is an important step in their financial life. Watch this Better Money Habits video to get tips on opening and managing. Between 13 and 18? Enjoy Plus Plan Chequing Account with no monthly fees or discounted Performance or Premium Plan · Under 13? Get a Kids Account with no monthly.