wouldn’t let the girls convert the savings accounts to checking until they had turned 18. They said it was a legal issue, I didn’t argue the point because I wanted them to get used to budgeting and saving.
The 3 oldest got the checking portion done not long after they turned 18…they still have me on the accounts–they feel they need the safety of mommy being there, in case of emergency–I don’t even look at their stuff. The youngest only has savings.
They budget their money well. The youngest is the only one without a steady income, but when she does work, they pay well.