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[k]

do i have to set up an bank account for it

[kk.]

simple answer: no - use your parents our brother/sisters account

or yes if you want the money so they dont have to cash the cheque and get the money out.

i woulod if i was you. (but you need to be 18.. i decided to miss read that part though)

[k]

hummm.
might use brothers or something