I agree that the bank will have some suggestions, so I would ask them about options.
I had a joint account with my stepdaughter from 16 until she was through college. She had a debit card at 16. Later she also opened a credit card by herself. She was always very responsible with her money. Getting an overdraft charge was something she learned from.
One of the reasons I stayed on her account so long was that it was handy if she needed money for college or other things that her father and I were helping her with, I could make transfers directly into her account from mine.