You may not need an account right now, but better to have it ready to go when you do. Once it’s set up, don’t share the account Electrician Dad Electrical Nothing Shocks Me shirt , PIN, debit card, or even that it exists with your mom, and probably not even with your dad unless you know for certain he won’t tell your mom. Your mother is financially abusing you. This may sound overdramatic, and she probably thinks she’s doing nothing wrong, but she’s using you to cover her own poor spending habits. Right now she hasn’t done much damage that you know of other than to steal some money from you, but even now the record of overdrafts can affect a bank’s willingness to even give you a new checking or savings account, let alone a credit card or a loan. And like others have said, check your credit report for loans and/or credit cards in your name now, and check it regularly in the future.
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People are shocked to find out that while most legal problems that happen while someone is a minor don’t follow into adulthood, financial Electrician Dad Electrical Nothing Shocks Me shirt with banks do. Banks are private institutions, they share records of losses/poor risks with each other, and they’re not required to do business with anyone. So once you get a bad rep with one bank, you’ll find it much harder to do business with any bank.