<prompt> Human: I have an account with TD Bank in the US. Im twenty years old, and my parents will not let me have my own bank account to myself. I have a few questions: What benefits are there to having a co-signer?If I so choose, can I remove a co-signer from my account by myself, or do they need to be present in order to do this?If I wish to cash all of my money from my accounts and switch banks, does the co-signer typically have to be present for this, as well? My parents are not letting me do this, although I wish to switch to a credit union in the near future. Final note: Im tired of them running my money, and I wish they would let me have control of it. It isnt a matter of trust, but a matter of learning financial responsibility for myself.Edit: Thanks for the responses, although some of them felt I was just trollin. Nope to that.. its just that situation when you finally realize that your parents really dont know anything at all, financially-speaking, and im finally taking initiative to learn for myself. They talk a lot of shit because they dont know, and I happen to believe it. Went to the bank yesterday, got the account on my name, etc. Didnt need the co-signer there with me after all, as much as my parents told me I did. No more ties with my parents on my own account. Its time I start handling my own things.  <response>: Youre over 18, you dont need their permission to open accounts. 