For transfers over $10,000 always, for electronic transfers - definitely when they ask.

Own, no you don’t owe them that. Keeping the peace might matter, at which point an explanation can be helpful. I agree with you - but tried to focus on the PF bits without going into too many other family dynamics.

There are other subreddits for those questions - I tried to keep my answer to Personal Finance

To add to this, go to a new bank with the account. It’s been mentioned here before, but without a reason.

It’s too easy for your parents to talk the bank into giving them access to a new account with money in it, or to the old account you’ve taken them off of, because there is a previous relationship there. A sob story to a bank teller or call center employee, who can see the previous transactions and makes a bad call and your parents pull money again. It puts you in a place where you either allow it or have to file a police report to get it fixed, and no one wants that.

New bank, new account, move money = problem solved. Your story could be that your work was having issues with the old bank and direct deposit. A friend referral bonused you to their bank. You switched to the bank your SO uses. You don’t have to tell them the reason, they’ll ask for a reason, so find a reason to tell them.

This seems tight from a budget standpoint. Best advice I can have for you is don’t have any other debt.