well I'm only 13 and my dad set up an account for all my money so I have an ATM card and he has a debit card for my account which he gave to me so I can order online as much as I want so long as I don't spend everything, I just can't go into a store and buy stuff cause I don't have signature athority. My dad did it cause I order a lot of stuff online and it was sort of annoying for him to have to always fill out all the shipping and billing crap. Ask your dad if he can go with you to the bank and create such an account too.