I see little reason for parents and young adult children to have joint accounts, but I was a joint owner on a couple of my mother’s accounts as she aged, and it made the process a lot easier when she died. I had immediate access to the funds for expenses even before the bank accepted my notice as executor, so I did not have to front them and then reimburse myself from the new estate account.by
I forgot. D and I had a joint account at BofA when she was at Dartmouth, so I could easily send her money by stopping by the local branch on the way home from work and popping a check in the ATM, since my regular bank did not have a branch in Hanover.