<prompt> Human: When I was 16, my mom made me a personal checking and savings account with Bank of America and signed herself up as my legal guardian so that she can keep track of my accounts. I am 24 now, and last year I made another savings account with American Express that is separate from the other two accounts. I have been stealthily trying to transfer my money from the two original accounts into the account she doesnt know about, but she found out about them. She called American Express and they told her that I had 7000 in there. I was upset at the breach of privacy so I made another savings account with Bank of America without her knowledge. I asked the employees to put extra security features on the new account. For example, if I were to call to ask for my account information, I would have to give them a verbal password over the phone. I have also made an IRA with Merrill Lynch connected with my Bank of America accounts that my mom doesnt know about. For some reason she has found out I transferred 5500 to another unknown account unknown to her but I know its my IRA and she sought to find out more about it. She went to the bank today and found out about my other savings account. I am tired of switching banks; is there anything else I can do to make sure she cant get access to my account information? I have a different mailing address from her so she is not supposed to be getting any documents, but it seems like she is getting this information somehow.Update 11 pm EST: I have just logged into my American Express account and there has been a mysterious transfer of 500 to one of my Bank of America accounts that is visible to my mom. I did not authorize this transfer. I will transfer it back when the money appears in my Bank of America account.Assistant: Try switching to a non bank of America affiliated bank? Human: I have already tried switching to American Express. Ive slowly transferred my money into there, which she has eventually found out about. She called them and found out I had 7000 in there.  <response>: Is she looking up your credit report online, that would reveal accounts? She has your SSN and all your info, so she will be able to get into any of your accounts as long as the operator doesnt care that she isnt you.Also, consider bank of america off limits. Only use banks where you never held a join account with your mother.Say your mother fucks up her taxes or had debts she defaults and they decided to freeze her accounts, your joint account gets frozen and there is a good chance your stand alone will be frozen too since you are on the joint account. The only way to protect yourself is to have accounts at other banks and not put any money in a BoA account. or any bank where you had a joint account with your motherThen get that joint account closed, but still avoid BoA, since they can reopen accounts and do all kinds of shady stuff. Joint accounts are bad and banks will do stupid things where they treat your separate accounts as part of the joint account. It is not safe to have a separate account at a bank you also have a joint account with someone else.Another example would be if your mother bounces a check against the joint account, they will pull the money out of your separate account to cover it. You actually agree that any account at BoA can be used to settle debts associated with any of your other accounts also held at BoA when you make accounts with them. all banks do this 