<prompt> Human: So I have an account with x amount of money in it, and my mother who is very controlling with that money is attached and wont get off, and according to my bank I wont be able to get her off without her present, so I went and I opened another bank account with another bank and started to slowly funnel that money out. Im curious if this was a bad idea or not in terms of credit score and whatnot, since I read somewhere having another account and not having much money in it, negativily impacts your credit score, and so should I close it if having it negativily impacts me?  <response>: This is a good idea. Deposit accounts do not affect your credit score unless they get closed with a negative balance and sent to collections. Youre an adult, and you should have your own bank accounts.You should read the terms of the joint account with your mom to find out if there are any monthly fees you would incur by going below a certain balance. If there are, youll either have to keep that much money in the account to avoid the fee, or withdraw all of it at once and close out the account. 