<prompt> Human: I received the money when I was 13 and it was put into a bank account that my mother needed to cosign on. However, all of the money is in my name, and I was wondering if I will be able to access it myself when I turn 18 in two weeks? I was just wondering if someone could explain how these things work.  <response>: It depends on how the account was set up. My mom went with me when I turned 18 and changed all my bank accounts to be just in my name. You would probably want to ask your mom how the account was set up. Or you can call the bank and ask them if the account will fully turn over to you when you turn 18. 