If you don't have a checking/savings account yet open one. Now i realize you are not old enough to be by your self but you can go on an account with a parent. Or, in my state (PA), all they have to do is sign a "parental guarantee of a minor" form stating that they will pay back anything that you don't. Ie. drawing your account negative. And you can be on all by yourself.

If your parents will do that then all you have to do is open a firepay or netteller account and take the money from the checking account. Just tell them you want to start to learn how checking accounts work so when you have bills of your own you won't mess them up.

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