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That's what I was thinking - if I am able to do it without him knowing I'll probably be good. But if they can't, I was just going to ditch the account anyways - don't need it, so don't really care what happens to it.
FYI -- I already have a checking account of my own without either parent on it (aka just me on it), so I'm good with that.
You have not answered my question, why do you not want your Dad to know you removed yourself from a checking account opened when you were in college?
It's for personal reasons. It's nothing bad or anything, just personal.
Are you the same person who posted about wanting to open an account without your parents under two separate usernames and was banned? Seems like odd timing and scenarios that have similar tones
If it joint with your father, you can't just close it. It is his as much as it is yours.
If you abandon it while letting it remain joint and he overdraws, it will affect your credit, too, since it is yours as much as it is his.
You and your father aren't writing checks out of the same account, are you? If it isn't you, he should be glad you are removing yourself. If it is you, just tell him that you want to use a different bank.
There's probably a credit union associated with your school or work. Use that, and it will seem like a natural progression.
If your father has a problem with it, there's some reason why that you aren't telling here.
If it joint with your father, you can't just close it. It is his as much as it is yours.
If you abandon it while letting it remain joint and he overdraws, it will affect your credit, too, since it is yours as much as it is his.
You and your father aren't writing checks out of the same account, are you? If it isn't you, he should be glad you are removing yourself. If it is you, just tell him that you want to use a different bank.
There's probably a credit union associated with your school or work. Use that, and it will seem like a natural progression.
If your father has a problem with it, there's some reason why that you aren't telling here.
Not exactly true. We don't have all the info we need from OP... but, if the account is a simple joint tenancy, OP can close it if she wants. If the account is joint tenancy two signatures required for withdrawal, yes, both signatures have to sign to close.
If she is simply a signatory on the account....she has no ownership at all and can't close it. She can deposit or withdraw, but not close. Or, if I remember correctly, can't take her name off. Any major decisions have to made by the account holder.
As for ruining her credit...I've been out of banking for 20 years, so things may have changed....but the first name listed is considered the main owner, and the IRS reporting is on that Social. The credit ruined would be his. Now once again...we haven't been given that information. Could be hers.
If it joint with your father, you can't just close it. It is his as much as it is yours.
If you abandon it while letting it remain joint and he overdraws, it will affect your credit, too, since it is yours as much as it is his.
You and your father aren't writing checks out of the same account, are you? If it isn't you, he should be glad you are removing yourself. If it is you, just tell him that you want to use a different bank.
There's probably a credit union associated with your school or work. Use that, and it will seem like a natural progression.
If your father has a problem with it, there's some reason why that you aren't telling here.
It was only me that used the account. It was for my textbooks, gas, school supplies, etc. He never used it once. Only time he used it was to make deposits for me every once in a while.
Are you the same person who posted about wanting to open an account without your parents under two separate usernames and was banned? Seems like odd timing and scenarios that have similar tones
If I didn't say it in the question, its somewhere in the comments where I replied saying I have my own account with just my name on it, and was wondering about this specific account that I used for/during college.
The question has been answered and not one person needed this information to give the correct answer.
I really do not care what the reason is, it means nothing to me.
So, my question to you is: Why do you *need to know so badly* my reason for asking?
bylpph
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