<prompt> Human: So I opened a CD account about 6 years ago. Because I was a minor at that time, I had to open it with my dad. Things arent great at home so I need to close my account so I have full control of my money if I need to use it. Unfortunately, the bank has told me that I need my dads permission to close it he has to do it because I was a minor at that time. So basically its his account, just underneath my name. I asked my dad to do it, but hes flat out refused to because he knows that its my rainy day money if things keep getting worse at home which they are. And Im currently in the grace period so I wont be charged any fees. The money in the CD account is mine, not his. He convinced me to open an account when I was 16 and I obviously didnt know it would end up biting me in the ass 6 years later. Is there anything I can do?P.S. Its a CD account with Capital One. Its not the 360 CD Account. They dont have any information about the specific CD account online anymore since theres a new one that they advertise insteadUpdate: After spending the last few days constantly calling Capital Ones customer service and visiting a few branches, they finally allowed me to close the account out since Im no longer a minor. Thanks everyone for the advice!  <response>: It is important to understand how an account is titled in order to know what a titleholders rights are.A custodial account under the Uniform Transfer to Minors Act is operated by the guardian for the benefit of the minor. The guardian has full control of the account until the minor comes of age but it should allow the minor to claim the funds once they turn 18 or 21 in certain cases.An account in the fathers name with a beneficiary such as a POD would not allow access to the funds for the beneficiary until the father is deceased.If the state has determined that someone A is incapable of handling their own financial affairs, another person B can be appointed to manage their finances. In this case, A would not be able to make any changes to the account. B would be the only person who could control the funds.If it is a jointly titled account, either account holder should be able to request to move funds or close the account, without the express permission of the other.Edit: Rereading OPs comments, it sounds like the account may been in his fathers name alone - just funded with OPs money. If this is the case, the bank will only be able to speak with the father about the account and things may need to be sorted out in a legal setting if no other options are available. 