昏招。
以后你的账户多了一个风险。她有能力防范风险吗？被盗，被骗的风险很大。关键是毫无益处。
Not sure if it is for Canada.
https://www.thebalance.com/bank-accounts-for-people-under-18-315365
Joint account risks. With a standard joint account, each account holder has 100% access to the funds, so either the adult
or the child can drain the account and rack up
overdraft fees (unless the bank restricts what the child can do). Keep that in mind before you set your child loose with a large available balance. If you are the minor, it's important to share an account
only with an adult you can truly trust—you don't want your hard-earned money to disappear.
Staying informed (or in control). For better or worse, these accounts may have features that keep adults informed about activity in the account. Parents can set up text or email alerts, and they may even be able to set spending limits on debit cards if overspending is a concern.
Age 18? Be sure to ask your bank what happens when the minor reaches age 18. If there were restrictions on what the minor could do (if they were unable to make withdrawals, for example), things might change, and you’ll want to know that ahead of time. Likewise, any fee waivers are likely to disappear (but you might get them extended if the adult becomes a student). If the minor needs their own account, you can try to remove the “old adult” from the account or open a new account when the minor turns 18.
Custodial Accounts
Custodial accounts are another option. Also known as
UGMA or UTMA accounts, these accounts are useful when the minor will not be involved with money management. They’re not for children to
use, but they are used
for the benefit ofchildren.
For the child’s benefit. The funds in a custodial account legally belong to the child, and any deposit made to the account is an irrevocable gift. An adult must make decisions (whether or not to buy a CD) and handle the logistics (make deposits and withdrawals), but the money can only be spent for the child’s benefit.
In other words, the adult cannot buy luxury items for personal use because that would be stealing from the child. Paying for the minor’s education or buying them a car, on the other hand, are probably acceptable expenses.
Age 18? Upon becoming an adult, any money in a custodial account is the “minor’s.” Once they're an adult, they can do anything they want with it—from investing in education to cashing out and blowing it over the weekend.
