<prompt> Human: My mother-in-law wants to open a joint account with my husband. Her reasoning is that she wants to give him money and thinks its the easiest way to transfer money. Apparently she doesnt want to send checks in the mail dont ask!. She did this with his brother and family, and it worked out well for them. They were able to get the rest of the money for their house down payment this way.Something about it just feels uneasy in my gut. Could there be an issues with it that Im missing? Or am I being paranoid? Shes very resolute this is only way shell give money -- which makes me all the more suspicious that there is something odd going on. Any thoughts?  <response>: There is no harm, as long as you dont deposit money into the account. Its not a good way to do it though.How does she plan on transferring the money into the joint account?If its online, she could just as easily use, Send money to friends or family that any of the big banks have.If its in a branch, you could give her a bunch of pre-filled out deposit slips, where all she needs to do is fill out the amount.Your excuse to not open a joint account can be that you want to keep you financial life simplified.If you give her the filled out deposit slips, write little notes in the blank space, like, Thanks MIL! : 