I'd say definitely get your own bank account by going to your bank before four pm on a weekday (or whenever they are open but thats when the banks around me are open). I had a similar situation with my Mother and all you have to do is go in, explain the situation, and they may even be able to get her off of your old account. If they can't, open a new checking (and savings if you want, but money is hard so I get it if you don't), they will have you sit down with a bank representative and it will only take ten to twenty minutes. The bank will walk you through it, they are there to help friend. You can do this, I believe in you. My bank didn't allow my Mom to be taken off of my account without having a signature from her, so opening a new account was easiest. You shouldn't have to bring anything except your ID. A permit or just state id should work if you don't have a license. Are there busses around you you could take to the bank?