100% yes, disconnect it.

The potential resentment from her having no money and being able to see yours is incredible. Not to mention the temptation of transfering..."He'll understand...we'll pay him back..."

If your mom takes offense...you need to have a calm, serious, adult conversation with her - not a reactionary one. If that conversation can't happen, there are much deeper issues than r/rpersonalfinance is qualified for -> r/relationships

Edit: Reread OP.. WAIT WHAT? She will transfer money without asking first??? No, no, no , no ,no. 100% unacceptable unless you already have an agreement in place for that.