<p>Have never gotten a 1099 for reimbursed fees from any of the banks we have that reimburse for them, nor have my kids. Glad you have found some good options. We have been fortunate to never have had any issues having a few joint accounts with our kids–credit cards and checking accounts, but I can certainly understand why you might prefer not to have a joint account. Our S lost his wallet & D thought hers was lost/stolen, so that caused us some apprehension. D’s wallet turned up later (misplaced in someone’s car) & S’s was found abandonned sans cash when the thief was done with it.</p>