Financial inclusion policies mainly aim at enhancing appropriate formal financial services for thernsociety. Basic saving account is especially crucial for young minors entering the labor marketrnand engaging in economic activity. However, the Ethiopian legal framework generally does notrnenable minors to own saving bank accounts independently and they can only have a custodialrnaccount with parents or guardians as co-owners until they turn age of majority, eighteen years.rnThe trend of commercial banks on the other hand shows inconsistence in providing minorsrnsaving account products due to different interpretation of the law. As such, majority of the banksrndo not provide and allow minors to open and manage saving accounts products independently,rninvoking the minimum legal age requirement and the Know Your Customers (KYC) principle asrnmain barriers. Nevertheless, various justification calls for an enabling legal framework forrnminorâ€™s financial inclusion.rnTherefore, this research paper is intended to examine whether the existing Ethiopian legal andrnregulatory framework enable minors, particularly working minors, to access basic saving accountrnproducts independently. It is also meant to assess therncurrent commercial banksâ€™ practice in relation to minorsâ€™ access to saving account products.rnAccordingly, this paper claims that the existing Ethiopian legal and regulatory framework does not enable minors to access saving account products independently. It also finds out that all butrnfour commercial banks do not provide minors only owned saving account products byrncontending that the law doesnâ€™t allow so.rnIt further recommends that specific regulation which reduces the legal minimum age minors canrnopen and manage saving account independently should be introduced and more flexiblernidentification requirement should be set for minors to own saving account and resolve the currentrnlegal and practical challenges minors are facing to access bank saving account, and also promoternfinancial inclusion.