Like @shellfell we also are still on accounts opened when they were preteens. Each has other accounts we don’t have access to so it’s not like we could know all their business even if we wanted to. I never look at the accounts, but I can see balances when I log on to do my own business. The main reason, again, like @shellfell , I go in there is to take money 2x/year for their portion of the phone bill (we peg the timing to when I pay for my car insurance). It works fine for us, and it’s not like they can’t handle their own finances. They’ve done that quite well. It’s just a convenience.