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Keyboard Advisor here, lol... @jcousino is right.  You are "owned" by your CO.  If your CO does not want you to open a bank account, then you have three choices: 1) Don't open a bank account, 2) as @ShootingSports says, find out why your CO "doesn't want the responsibility", and find a way to alleviate their misgivings  or 3) Find a new CO. Before you pursue any of those, you need to answer a few questions: A)  How is it that you have a bank account (used for years) when your CO says they don't "want the responsibility"??  Did you inform the CO that you already have a bank account using their EIN?  Which begs the next question... B) Whose EIN are you actually using for the current account?  Which begs the next question... C)  Do you have a current signed Annual Unit Charter Agreement??  Your DE is supposed to secure one for you each year, so, as @ShootingSports has said, call your DE to see if they have one.  If the answer is "No", then your DE is not doing his job.  https://www.scouting.org/wp-content/uploads/2025/06/524-95625-Annual-Charter-Agreement.pdf  Get your Chartered Organization Rep on the horn and ask them to get this all important document coordinated and signed post haste. D)  If you do have a signed Annual Charter Agreement, read para II B.4. "Authorize the unit to open a separate bank account for the Unit using the Charter Organization EIN and provide the Unit with policies and procedures for financial reporting and asset management."  Again, get your COR and DE on the horn, because the CO not allowing you a bank account is a violation of the Agreement. Recommend you read the whole document for other pertinent responsibilities and understanding of who owns what... Also, for the Moderators... the OP never showed up on my Unread Content.  Any idea why??        

You are not a free unit you are totally owned by your CO. 

You should have another discussion with your CO rep and include your DE.  Otherwise, contact an attorney/cpa to get the correct answer - Not here with a keyboard advisor

You'd almost think that old English dude was on to something when he said, "The one part which I can claim as mine towards promoting the movement is that I have been lucky enough to find you men and women to form a group of the right stamp who can be relied upon to carry it on to its goal. You will do well to keep yours eyes open, in your turn, for worthy successors to whom you can, with confidence, hand the torch. Don’t let it became a salaried organization: keep it a voluntary movement of patriotic service." (emphasis added) https://thescoutingpages.org.uk/bps-last-message/

Funny thing is this: if you scream and curse out that top level volunteer, he may stop donating.  And he may tell his buddies what happened, and they stop giving too. That happened.  District had to drop their FOS goal severely since they did this. The current goal is 10% of what is was when I first got here, and that is not adjusting for inflation. Worse part is the DC was actually doing something.