I agree with the above. You will have to prove to the bank, the creditor (judgment holder) & the court that the money in your checking acct. is all SS & exempt from seizure.
It would be best not to have your name on the M.M. acct. with your mother. They will generally try & go after any income/assets that they can find that also have your name on them (ie jt. income/assets).
However; before they can seize anything, they have to get the judgment.

