your best bet is to be upfront on all accounts. childrens bank accounts shouldn't impact your payment however it will depend on how that account is set up in regards to access as some people will squirrel away money for themselves and put it under their childs name. so long as you have a paper trail of where the money is coming from and can confirm it's money for your child (and if any large amount is spent, you can confirm how) you should be fine with it having no impact - but when you do your next interview with c'link, take the details in - if you show them the info you've done all you can kwim?