To protect your parents a bit I will tell you what happend to my family. Me and my brother have both accounts for studies, moving to house and etc. My brother have one more dunno why and idc. When my parents wanted to take all money from one of his accs and "delete" that account because we needed money to build one more room so my brother and me having both one room we had to wait 6 months for money. Because my brother was like 12 so couldnt delete the account and my parents even tho that it was all theirs money couldnt delete the account to because it was already his money. So nobody understand that logic behind banks :D And it kinda funny.
My advice for you. When you turn 18 go to the bank and ask them what can you do, if you can ger debit card, dont go with credit card. and stuff you need or want to know. they will help you i guess.
I have my own card since I am 15 so I think it wont be a problem.