<prompt> Human: In order to encourage responsible saving, my parents have been setting money aside from my paychecks since my first job. The money is in a savings account tied to my mothers SSN. Im ready to apply the savings to a mortgage down-payment, but were not sure how to transfer that money to my savings account. Can you just write a check for 60k? By the way, both accounts are with the same bank. Thanks!  <response>: I wonder if adding your name to that account might make your life easier trying to explain that money when you go to apply for a mortgage. You typically have to explain the sudden appearance when a large sum of money appears just prior to applying for a mortgage.I think you best bet for transferring it is as an electronic transfer you just need to link the accounts so you can do that.You might have explain that money anyway but maybe someone knows the answer. 