Anyone under the age of 13 will have a pre-active account. The account will be pre-active until the person goes to HHS and acquires their GIN. This can be done at age 13, but it might make sense to wait until 18 when the person will receive full GBI benefits. Because there is no physical currency, there must be measures in place to prevent hacking the bank account. With that in mind, every transaction must be recognized. A person can not simply know the account number, and draw funds out the account.
Pre-active accounts are accounts that were opened by KNB for someone that was born so that person can receive deposits. This will include gift money, and GBI payments. This is all done in a manner to assure that no withdrawals can be made on the account. This is again – to protect the minor from abuse, and bad actors. An account will remain pre-active until the citizen acquires a GIN, and sets up to activate the account.
At the age of 13, the person will be able to go to HHS, and acquire their GIN. They are given the warnings to never give the GIN to anyone, including guardians. It will be very hard to replace the GIN, and therefore no one should know someone else’s GIN. This will not be emphasized enough when setting up their own stewardship. Money can be given just by knowing the NIN – even on pre-active accounts, but knowing the NIN does not grant access to withdraw the money – even on active accounts. Once the HHS worker goes through the warnings, and helps setup an online account with the government, they will create their first GAON which will be to activate their bank account. Once they receive a GAON, they will go to KNB, and activate their account. They will then be able to use their ID card to make purchases, and they will receive a debit card with the Mastercard logo on it.