<prompt> Human: Im from a middle class family where my parents will help me with money through college. I was talking with a friend about making a bank account and I told them I was just going to wait until 18 2 months away to make my own instead of the hassle of going to the bank with my parents who both work and dont really have the time especially since the bank usually closes at 5. I really trust and have a close relationship with my family so I know they wouldnt take money from me if we had a joint account. Is what my friend is saying true? I also had another question: My parents use a local credit union, which I could become a member of once I turn 18, but if Im probably going to be moving away during college should I use a national bank instead?  <response>: It does not need to be a joint account for your parents to deposit moneys. Banks will allow you to deposit money into another account, just not withdraw it. My mom did this a few times for me when I was traveling abroad. We had account at the same bank. Makes it easy. 