For Cassidy’s birthday we gave her some cash and took her to open her own back account. She is currently at the local out let mall, debit card in hand, shopping with friends. The guy that set up the account was really awesome and spent some time explaining overdrafts, savings, responsible spending, etc with her but I’m not sure how much of it really sunk into her 15 year old brain. I guess we’ll see in a few months if we are having to research north dakota bankruptcy laws or California, as in our case. 😉