Does anyone know if minors can have a DDA account in Michigan (with or without an adult on the account)?

This is a good question for bank counsel. It's my understanding that a minor can have a DDA, but the bank bears a greater level of risk. The rationale is this - you must be 18 to sign a contract in the state of Michigan. Without a parent or guardian of legal age, is the deposit agreement valid? Are the checks written by the minor a form of contract? If a check goes bad, is that check considered an unenforceable contract?

My last (and current) bank allowed minor accounts, but only with an adult.

We rarely allow DDA's for minors, but we also have a Parental Guarantee form that we require the responsible parent (is that an oxymoron?!) to sign saying they will take responsibility if the minor bounces checks all over town. If nothing else, it should cause the parent - and the minor to think over the decision.