I am 19 years old and I still have an account with a parent that's able to have access to it because we opened it when I was 17. I would like to have my own account without the complication of having my mother know how I spend my money. So can I just remove her if I am a primary user without her signature?

A problem I have with that is that sometimes she deposits money into my account and I don't know if she can still do that if I remove her from it.

Should I just open a new account and keep this one and just transfer money to my new one whenever I need it? Would that be okay or would there be any additional fees?

The fees depend on the bank. You might not be getting charged fees now because you are linked to your family household account, so the bank takes account all of the funds available in determining fees. At many large commercial banks, fees are often waived for accounts that have a lot of money in them. Kind of unfair since the people that can least afford the fees get charged the most. But go into the bank and ask to speak to a rep and see if you can create another account in your name only that is still "linked" to your portion of the account. If your mom is still dropping money in there for you, then it sounds as if you still need her help financially. But you could certainly shop around and look to set up an account somewhere without fees or where you can afford to keep the minimum required without having to pay fees. If there are things you want to purchase that you don't want her to see, purchase a visa gift card, you can register it to use it for online purchases.

Usually once you're 19 you can have your own account with no strings attached. My bank actually sent me a letter a couple months ago (a few months before I turn 19) letting me know that my account was going to move to a Total Checking account once I turned 19. I would just pop into your bank and ask about it.

Anyone can make a deposit into your account. You can have only your name on the account and your mom could still make a deposit into the account. She only needs your account number or your deposit slips to do so.

This means that you can remove her name from your account and she can still deposit money into it.

Problem solved. Nothing complicated. Go to your bank and change your checking account.

Ask your bank. Not all of them have the same rules

I would switch your joint account to a no fee accout(savings) and open your own personal account. Best of both worlds.