john d
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Unless there is some legal attachment to the account, Such as a trust or something of that nature, you have access to your account the moment you turn 18. In the USA that is. I'm not sure about other countries. If you have complete access to the account and your mom is not going to take her name off of the account, withdraw the money and put it into a new account with just your name on it. If you are dependant on your mom for your survival, you had better rethink that and wait till you are moved out and on your own.
If you have a mental problem and have been declared incompetent to handle your affairs, you will be unable to get mom out of the picture.
My question for you is why is mom on the account now and why are you worried about her being on it? |
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Diane D
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You need to call the bank and find out how the account is set up. |
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Dorothy
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You will have to go to the bank and have her removed from it. |
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InSight
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I would think you should just open up your own bank account since you are over the age of 18. It seems like privacy is the answer. |
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Tekguy
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You both control the account now. If you want to get full control, withdrawl all the money and put it in an account under your own name.
But hey, your mom's not after your chickenfeed balance. Just tell her you're beyond the parental oversight thing and want to strike out on your own. She'll support it. |
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DaLady
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She can still use your account as long as her name is on it. If she won't withdraw her name take the money out and open a new account. |
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greentealover
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She should still have access to it, if you dont want her to just talk to her and then open your own account or you can remove her with her consent. |
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texas_kali
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You are old enough to get her off a typical account. If we are talking inheritance or trust fund then you must seek legal help.
And I agree with the others on opening a new account....just in case. |
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creativefisher
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As long as her name is on it, she can. If you don't want her on it, get your own account. |
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Legandivori
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Start a new account and transfer all the money into that account. She can;t touch an account with your name only. |
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Brutally Honest
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My best recommendation is to withdraw all but the minimum required amount in the account and open a new account in your name only.
You might discuss this with the bank manager; it may be something so simple as having her sign a waiver to the account. However, if you think that she's unlikely to do that, then the above choice is probably the only one you'll have open to you. You are after all an adult and should no longer require a co-signer on your account. |
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Bear Naked
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Best to open a new account. |
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CA
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you have to have her consent to have her removed. as long as she signed to be on the account, she has to sign to get off... doesn't matter if your like 60 or whatever. so if it worries you that much go open your own account without telling her and just stop putting you money into the one you have with your mom...it will close itself if it's inactive for like 6 months. i see this a lot where i work with people who leave their spouses but they can still spend all their money cuz they can't just remove them whenever they want. |
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Thom Thumb
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Yes she will. You can withdraw it all and open a new account. I don't think you need any consent. |
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Nathan
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Withdraw all the money and put it in a new account, without putting her on it. |
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Leroy
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I really don't think it's likely to be automatic. You'll have to check the banks rules on that one. My guess is that you'll have to open a seperate account, even if it means removing your name from the joint account or using a different bank. |
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cassie05
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what you have is probably a truste account, one thing that you could do is go to the bank and open your own bank account, |
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kay S
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The account can be yours at 18 unless it is a special type of account. If she is joint on the account, she has just as many rights to it as you do regardless of who put in the money.
If it is a checking account chances are you will need her to sign off. If it is a savings account you can probably just have her removed. |
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