I am BRAND new at this. I've opened my account with $25, so it's already showing $50 on my balance---YEAH!! My question is this....I'm seeing people saying they opened accounts for their children--do they have to have a checking account of their own to be hooking up with? Can their accounts be linked with my checking account? I only have their SS #'s but no other identifying numbers for them (for me it was my license #) so how does that work? I've already sent out several referrals so I'm waiting to see if they will join. Thanks in advance for the help!!