Most employers will pay you cash, but you'll usually need a bank and a PayPal account if you earn online. Banks in the U.S. require you to sign a contract to open an account, and only legal adults can do that. To circumvent that, ask one of your parents for help; banks allow minors to open an account with a guardian's assistance. They'll serve as its co-owner or custodian and manage it. PayPal will close your account despite getting your guardian's permission. You must ask them to create an account for themself and use it under their supervision.