Currently, I am using the same bank account that I have used since I was a child.
This is a joint account, whereas the other party is my mother.
I have a good relationship with my mother and I know that she wouldn't sabotage me in any way. Also, her credit is impeccable, and she is considerably wealthier than me.
Are there any possible negative effects (credit or otherwise) of having my only checking account be a joint account with a family member?
Obviously, this is beside the fact that she could technically withdraw money without my consent.