Banking for pre-teens

[wallacestreet.livejournal.com]

I scanned the recent posts but couldn't find any good information on banking for kids. We're looking for accounts for our pre-teens where we can deposit their monthly pocket money (automatic deposit keeps us from forgetting!), they can deposit babysitting and birthday money, and they can access their money (and information about it) easily and cheaply. The following features (roughly in order of importance) would be nice:

* ATM card (with debit card/point of purchase features if possible)
* Low/no minimum balance and no fees
* Easy transfers among accounts and with our accounts at distant banks to deposit pocket money
* Ability to withdraw from many (all) ATMs fee-free (with fee rebate if possible)
* Local branches a bonus, especially if they'll take loose coins from kids without a fee.

USAA seems to have a great program but we're not military so not eligible. Do any of the (many, many) banks and credit unions around have anything suitable? Are there national banks which have good things in this line (ours doesn't)? Googling is not easy since many of the programs are targeted at older teens or have ATM cards which charge fees for withdrawal at local ATMs.

Thanks so much!