Question 1

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

Accepted Answer

Age requirements vary by bank. You typically need to be 18 to get a debit card independently. Minors (usually ages 13-17) can get a debit card through a joint account with a parent or guardian, or through teen checking accounts offered by many banks. Some banks offer cards for children as young as 6 with parental controls.

Question 2

What does ACH stand for in banking?

Accepted Answer

ACH stands for Automated Clearing House, an electronic network for financial transactions in the United States. It processes direct deposits, bill payments, and bank transfers between accounts.

Question 3

Do I need a business account for my small business?

Accepted Answer

Yes, especially for LLCs and corporations to maintain legal separation. Sole proprietors can use personal accounts initially, but a business account simplifies bookkeeping, tax preparation, and looks more professional to clients.

Question 4

Do checking accounts earn interest?

Accepted Answer

Some checking accounts earn interest, called interest-bearing checking accounts. However, rates are typically lower than savings accounts. Many standard checking accounts don't pay interest at all.

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Frequently Asked Questions

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

What does ACH stand for in banking?

Do I need a business account for my small business?

Do checking accounts earn interest?

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