Of course, your question involves some detailed information about opening online banking and applying for a bank card. Chinese citizens under the age of 16 are indeed persons with limited capacity for civil conduct, so they cannot open an account independently. The application needs to be made by a legal guardian**, and some supporting documents need to be provided when applying, such as the guardian's valid ID card, the minor's ID card or household registration book, and other documents such as household registration book or birth certificate that can prove the kinship. 
Guardians can apply for additional cards (over 13 years old) for bank cards (debit cards) and credit cards, but it should be noted that online banking and credit cards cannot be handled. This is due to the basic regulations of banks in our country, which requires you to be at least 18 years old to handle online banking business. Customers under the age of 18 need to be handled by a guardian**. So, if you wish to open online banking, ask your parents or other legal guardians to help you with your application. 
In addition, regarding the process of applying for a bank card, you can bring your ID card to any domestic bank for processing. With the assistance of the lobby manager, you will need to fill in the application form and submit your ID card along with the application form. Under the guidance of the staff, you will need to enter your password and sign it. Bank card refers to a credit payment instrument with all or part of the functions of consumer credit, transfer and settlement, cash deposit and withdrawal, etc., which is approved by commercial banks (including postal financial institutions) to be issued to the public. 
The automatic settlement system of bank cards has made the dream of a "check-free, cashless society" a reality. Through this system, banking can break through the limitations of time and space and bring about fundamental changes.