My kids already had savings accounts with Wells Fargo. When they got jobs, we added a checking/debit account. They are able to easily transfer money between the two accounts.
In addition, when DD20 turned 18, she got a low-limit credit card with WF. I also added her as a user to my Target Mastercard. She pays for her own stuff with the credit or debit card, but can use the Target card for Mom-authorized purchases (like doctor co-pays).
My kids do all their banking by phone. Except cash tips--then, they use Bank of Mom to get rid of their $1 bills. They periodically deposit $100 or so in $20 bills at an ATM.
I never check on balances for either DD20 or DS17. However, DS26 is autistic, and has impulse control issues at times. Once a week, he shows me his account balances on his phone. This is mostly to keep him honest--he has a certain amount of weekly cash, and also buys a weekly Play station gift card. That, and the occasional meal or drink at work, is all he spends on.