<prompt> Human: Im just tired of the monthly maintenance fees of the bank and have always read credit unions are way better in general. But I know length of credit matters to your credit score so am worried that if I cancel it, my score will drop. What are your suggestions? My mom opened it for me when I was 18 and I figure its time to make a new account on my own. My credit is only 670 because I wasnt really experienced with money and bought too much.  <response>: Bank accounts dont appear on your credit report so opening or closing them dont affect your credit score 