Magic Band/Credit Card/MDE Question

[amymgould]

We are planning a trip for next Spring, and my mom is going with us. We are renting DVC points, so I've given her name to be put on the reservation. When I go to enter my confirmation number into MDE, do I add her as a guest? I know she will want to get her own account so that she can access the pics (we will get memory maker). She would also like to use her magic band for purchases, but that just charges to the room, right? Is there any way to have a separate account for her, so that all her purchases are not combined with my family's? Hope this makes sense. TIA!