My nephew was receiving benefits for his mother I spoke with my sister who stated that he was unable to go in to the bank to pull out money until he was 18 however ... he was allowed to have a debit card at the age of 17 by she and her husband at .... the account had to have his name on it for reasons for SSI however due to him being a minor the account had to be opened by an adult... they did have to show his birth certificate and of course their ID’s ... if this helps this is only how one bank operates IMO