I no longer have joint accounts with my children, as all are over 21, but the accounts of the 2 youngest still show up on my online banking. They will both occasionally ask me to move money over for them (it’s a small credit union) or use that account to pay me back for something I loaned them. OTOH, H has a joint account with his mother and I had one with my aunt before she died. It made paying for her funeral much easier.