Peoples Junior Preferred Checking This Account is designed for young adults ages 14 to 17, who would like to learn how to manage and maintain a checking account before entering into adulthood. The Juinor Preferred Checking Account also gives parents and guardians the opportunity to help their young adults develop sound savings and spending habits while also teaching them to write checks, balance a checkbook, and use a debit card. There are no service charges or minimum balance requirements.  The minimum opening balance is $50.00. Parent or Guardian must be present at the account opening and have an account with The Peoples State Bank. Free Internet Banking with parental permission. Free Visa Debit Card with parental permission. Other Bank Fees