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Oct 19, 2015 12:07 AM in response to kathyweiss1by King_Penguin,You need to put a credit card on your account to create a child account (due to online privacy laws), a debit card cannot be used for it, they are not acceptable : Family Sharing and Apple IDs for kids - Apple Support
Before you begin, make sure that you're using a credit card or UnionPay as your iTunes Store and App Store payment method. To comply with child online privacy protection laws, you will use the CVV, verification code sent via SMS, or security code from a valid payment method as part of providing your parental consent. If the card on file is a debit card or another payment method, you’ll be asked to provide a valid payment method before you can continue. After you create the child's Apple ID, you can change your payment method.