Hi all, I understand very little about how banks function but I'm in a bit of a situation. I'm also not sure if this is the right subreddit to ask but it's worth a shot.
When I was 15 or 16, I opened an account under my guardians account and used that for all of my money. Now I'm 18 and everything was going fine up until the last stimulus where my stimulus money went to his account and not mine. He didn't tell me about this until he had spent it all, and now I'm worried that he might have some sort of "power" over my money or something, again I'm not exactly sure how it all works.
To avoid this, I wanted to just open an account with a completely different bank and have any money that comes in, including any future stimulus checks, go in the new one and then completely close the old one.
How exactly would that work? Is it possible to have a stimulus go into the new account and not the old? What exactly determines where it goes?