I’m a genderqueer adult with transphobic parents. I know they wouldn’t be supportive of me & I still rely on them financially so I don’t want them to stumble on something that reveals I’m trans, though luckily I don’t live with them. Here’s the problem: they have access to my bank account statements & credit card statements. Until I get an unconnected bank account, do you have any advice for hiding trans related purchases?
Lee says:
We get variations on this question all the time from folks of every age so you're not alone in trying to figure this out!
1. Gift Cards:
Purchase general-purpose gift cards (like Visa or Mastercard gift cards) or store-specific gift cards. Use these cards to make your purchases. This way, your statement will only show the purchase of the gift card, not what you bought with it, and you can tell your parents that you bought it as a birthday present for a friend. See this post for more information on using a gift card. That's honestly usually the easiest route to take without involving other people.
2. Use a Friend's Account:
Whenever possible, use cash to make trans-related purchases. This ensures that there's no record of the transaction on your bank or credit card statements. You can withdraw cash from the bank/ATM or get cashback when shopping at some stores.
So if you have a trusted friend, consider giving them cash and asking them to make the purchase on your behalf using their credit/debit card.
(If you don't have any friends who you trust, then that's a separate issue, but socialization and connection are important so try to meet folks!! Not just to benefit you in this situation but to not be isolated and have a robust support system. I just moved to another state and I work from home so I know it's not easy to meet people but I volunteer and meet folks that way.)
Apps like PayPal, Venmo, or Cash App can be used to pay a friend back for buying you something without revealing the exact nature of the transaction on your bank statement.
3. Open a Separate Bank Account:
Consider opening a separate bank account that your parents don't have access to. Many banks offer online-only accounts with minimal fees. Withdraw money from your bank account to avoid direct transfers between the accounts then deposit that money to your new account and use it for your purchases.
It isn't as hard to open a bank account on your own as you may assume, so you might as well get started now and just do it if you plan to do it-- you don't live with your parents so they won't receive any mail about your new account before you set up digital statements.
4. Check Descriptions:
Some businesses use neutral or generic names on bank and credit card statements. Before making a purchase, you can contact the company and ask how the transaction will appear on your statement.
If your parents have access to your accounts but aren't actively routinely monitoring your day-to-day purchases then this might be an okay option since they may not Google the company behind every unfamiliar transaction if the transaction name is innocuous and isn't like "TransgenderItemCo."
Regularly review your bank and credit card statements. If you notice a transaction that might raise questions, think of a plausible explanation in advance, just in case.
5. Purchase Through Third Parties:
Platforms like Amazon or eBay or Walmart might list the products you're looking for, and the statement will only show a transaction with that platform, not the specific item. I generally recommend buying things directly from the company and not Amazon when possible, and Amazon doesn't have a ton of good trans products, but if you have no other option it's worth a look.
You can also buy certain products used from other trans people who no longer need it, and there are groups on Facebook and blogs on Tumblr that post used products. Then you could Venmo the payment or similar which wouldn't reveal what you bought, but you have to be careful to avoid scammers because some folks really do take advantage which sucks.
6. Physical Stores:
If you live in a city that has inclusive sex toy stores, consider calling them to see if they happen to have binders/packers/breast forms/etc in stock and or look on the website. Since you're an adult, you're old enough to go shop there in-person using cash and you don't live with your parents so you don't need to worry about hiding the packaging from them.
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It can be difficult to be an adult who still relies on your parents financially since the relationship isn't exactly balanced since they can cut you off at any time since they aren't required to support you anymore and are just choosing to do so because they care about you, so it can be hard to make requests when they can say no and that's that.
But if it's at all possible, you can try setting some boundaries and see if it's possible to tell them that you would like to remove them from your bank account and credit card account as a step towards becoming more independent. It can be easier for them to transfer money to you when you have shared accounts but it isn't the only way.
If you frame it as a step in your journey towards financial independence and adulthood etc then it can help explain why you don't want them up in your business without being rude and prompting a backlash.
In the long term, the more independent you are the less control your parents will have over your finances, so working to find a way to get an independent income without relying on them is obviously a long-term goal that will allow you to transition in whatever way you would like to.
Followers, any advice for anon?