Can a minor have a business bank account?

Not on their own, and the reason is contract capacity rather than any rule about business.

Under U.S. law anyone under 18 is presumed to lack the full ability to enter binding contracts, and a bank account is a contract. Most contracts a minor signs are voidable by the minor, which is why banks will not open one without an adult attached. The same principle blocks signing a lease or filing formation documents.

Three routes work in practice.

A joint or custodial account. You are on it, your kid is on it, and the money is separate from household money. Simplest option and the one most families land on.

A teen checking account. Plenty of banks and credit unions offer these, usually from around thirteen, with a parent as co-owner. Often comes with a card and an app the kid can actually see.

A business account you open with your kid as an authorized user. Worth asking about once the business is genuinely operating, and the bank will usually want an EIN even though a sole proprietor can technically use a Social Security number.

Before any of that, be honest about whether the account is solving a real problem. At forty dollars a month, a dedicated business account is ceremony. What actually matters is that business money is separate from spending money and that your kid can see the balance without asking you. An envelope and a notebook does that.

When it stops being ceremony: money large enough that mixing it with household cash becomes genuinely confusing, or customers paying electronically and needing somewhere to send it.

Bank policies vary a lot on age and product. Call and ask rather than assuming, because two branches of the same bank will sometimes tell you different things.