Note: The DearEsq free 'ask a lawyer' site is offered as a free informational service to the public and is not intended as legal advice. Laws vary from state-to-state, and in addition every situation is unique, and relevant facts may not be known. The answer to the question posed below may not apply to in your state or to your situation. For legal advice in your state and your situation you should consult with an attorney in your state who is familiar with the rules and laws in your state.
“Is a minor child held responsible for unauthorized charges made on a debit card?”Under the Electronic Funds Transfer Act, the liability for the holder of an account is limited to $50 if the bank is notified within 48 hours of the misappropriation of a card, and $500 if the bank is notified within 60 days. If you wait more than 60 days to notify the bank, then you could be on the hook or the entire amount.
Question: If it is the minor misappropriating funds, then laws governing theft in the State will apply. Chances are pretty good that there will be some liability to the victims of the crime even if the thief is a minor.