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my mom keeps taking money out of my account?what should i do
I started working at my job in may and to this day i dont know the total amount of what ive earned because my mom has been taking money out of my bank account. When i was 17 i made a bank account and my mom made it joint, of course i had no say cause i was a minor but im 18 now and i think i may remove her because every time i try to save up for something i go into my bank account and the money i dont spend is gone. Ive always asked her to stop taking my money cause whats the point of me working if i dont even get the reward which is the money and she gets mad and starts saying things like "fine ill stop but dont ask me to buy you anything ever again" basically trying to guilt me for even getting mad at her for taking my money without my consent what should i do? I want to take her off my account but obviously she would notice and my friend told me to make a new bank account without her on it but to make a bank account it would require documents that of course my mom has. Please help
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Maybe give some free advice about: Families?
It's an easy thing to get mom taken off now that you are an adult. This is more common than you would think so bank officials won't even raise an eyebrow. There are people turning 18 all the time who have a parent on their account. My daughter had an accident settlement that went into a bank account for her before she turned 18. Later when she started working she thought nothing of it and neither did we. It was her Dad whose name was on the account. When she started working, this is the acct she used for putting her own paychecks in. I divorced her Dad and set up banking with a different bank.
Now here's the part I want you to pay attention to, why you should not put off doing this. One day she goes to pay a day shortly after getting paid and found her account was deficient to pay the bill. All her money was gone and the bank had taken it out only because she was related to her Dad and living in his house and part of the family and since a bill of his came through the bank when his funds were insufficient, they transfered from her account because his name was on it. It was a bank policy to do so on any accounts his name might be on. So as long as moms name is on there, if something goes wrong, the bank may take from your account to cover something on her own account simply since her name is still there. In our case, Dad felt bad and covered daughter, paying back the money the bank had taken. In your case, Mom's character is much more questionable and she most likely would not pay you back if the bank grabbed money from your acct to cover hers. I don't think the bank will need a bunch of documents. When I opened a new one a few years ago, all they wanted was to see drivers license and social security #, current street address and phone. Some places require a piece of mail with your name on it but if you live with your Mom, they may not or may not have that requirement to begin with.
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It should it will really be up to the person at the Bank. If you don't want to learn to drive then get a passport. A passport is legal ID for travel or any other reason you need ID
There are not a lot of documents required to open a Bank account especially a savings account. Your 18 now legally an adult and you should be able to walk into the bank sit down with a Bank Officer close out the joint account and open a new one without any problem. They will ask for your drivers license.
If they ask any questions at all it will be to assure themselves the money in the account is your. Just bring a pay stub with you and if you have direct deposit the pay date should match to the deposit date.
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