Should I start over at a different bank?

I’m a new college student who has an old savings and checking account as well as debit and credit card. I’m eighteen and I’m not exactly sure of how much authority I have other these accounts in comparison to my parents. My relationship with my parents is not exactly perfect and I’m uncomfortable with them having access to all of this especially since I’m going to be applying for a job soon.

I’ve tried to manage this numerous times and have kept running into walls. I’m tempted to completely start over at a different bank and open a savings and checking account there as well as a debit card. I don’t think I plan on closing any of my old accounts however, and think I will just leave them in my parents name (where I’m pretty sure most of the authority is). A large reason for this is that I don’t know what effects this could have on my or my parents credit score. Do you think this is a good or bad idea?

Thank you

I assume you mean that your old accounts are in your parents’ name with you as a joint owner.

Closing the old accounts will not affect your parents’ credit score, assuming they have their own checking and savings accounts independently of the ones you share with them.

I think you should open new accounts in your name only, so you can solve your problem. You can do that at the same bank if you’d like, as your parents would not have any access to your new accounts.