<prompt> Human: Hi rpersonalfinance. Im starting college in the fall and will be opening my first bank account probably with Bank of America as it is close to campus. I wont be eighteen until early this fall, but my mom wants to go ahead and open the account now, before I move away. Just to be clear, my uni is only 90 mins away, so its not all that necessary to open this account now. Regardless, my mom insists on doing this now and being my cosigner. The problem is that my parents are divorced and do not trust each other, especially with regards to money. My dad keeps calling to warn me that allowing my mother into my finances is a bad move, that she will abuse her cosigner rights and screw around with my money. He says she did similar things to his finances when they were married. He refuses to provide any money for my booksliving expenses if my mom will have access to my bank account. My mom and I have had issues in the past and Im not sure hes wrong.I really, really do not want to be involved in a family fued while trying to adjust to college life. My mom is really pushing me to do this today or tomorrow but I dont know what to do. Should I wait until I turn eighteen to open it? I have no credit. It is my understanding that you need good credit to open a credit card without a cosigner. Could I remove my mother as cosigner once Im eighteen? I would need her consent, and theres no guarantee that Ill get it.Please help :Assistant: Just wait until youre 18. If theres this much drama about opening it, when you decide to close it due to the inevitable problems that Im assuming will occur you will have to deal with all that BS over again. Human: The issue is that my mom is pressuring me to open it now. Refusing, especially because I dont trust her, will cause a shitstorm.  <response>: Youre about to become an adult and attend college. Politely but firmly let your mom know that you want to control your own finances like the rest of society, but will go to her if you need help or have questions.If she cant understand that, then Im not sure what to suggest. Its just a bank account, nothing somebody couldnt figure out with a quick Google search. 