Child actors in California are required to have Coogan accounts which can’t be touched until they they turn 18, except to make deposits. Parents need to access other earnings in order for the child to pay for their own acting-related expenses out of their other earnings. The easiest way to do that is to open an additional savings account for the child. But, those accounts don’t offer check writing privileges. A FBO account may solve that problem. For more information, read our discussion.