so just curious as to others' P&P -
minor child (under 18) and parent have a savings account. minor child is primary. the account is not an UTMA. the account is not set up as Minor AND Parent. Minor child 11 asks for money out of the account. Aside from the minor child acting as if they aren't sure what to do, do you honor their request?

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plan your Work and Work your Plan

48.30 DEPOSITS IN NAME OF MINOR Any deposit made in the name of a minor, shall be held for the exclusive right and benefit of the minor, free from the control or lien of all other persons, except creditors, and, together with the dividends or interest thereon, shall be paid to the minor, and the minor’s receipt, check, or acquittance in any form shall be a sufficient release and discharge of the depository for the deposit, or any part thereof, until a conservator or guardian appointed for the minor shall have delivered a certificate of appointment to the depository.

How having the parent also on the account impacts this is a question for your legal counsel.

thank you