What I do is I have a Paypal debit card. You can order it and is free and you can link it to a checking account and when your are using the card to pay for something that cost more than the amount of money available in your Paypal account then it will seamlessly withdraw it from your checking account.
It is a Mastercard so you can also use anywhere and just use it as a credit card to pay at restaurants or to get anything.
Yes, you can withdraw it to your banking account.
Don't you have to be 18 or older to get those?