NTA, she stole from you! If she play the “oh you will lose it” I Just Want to Walk on The Beach With My Hairless Terrier Shirt again, just suggest that your dad keeps it for you (or grandma, whoever you trust more). That’s 100% your money and she is right that it would be good if you save at least some of it for when you move out (it will be handy to buy stuff for your first appartment), but it seems she was just selfish there. I don’t get parents like that, so horrible!
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Nta. Your mother is taking advantage of you. It’s a good thing you are doing this I Just Want to Walk on The Beach With My Hairless Terrier Shirt before you get a regular paying job and that the original amount she took from you isn’t that much. Since you aren’t legally an adult, it may be that your account needed to have a parent signed on with you. Tell your dad. She needs to be taken off the account (your dad can cosign your account until you are 18 and can take him off) and pay back what she took from you and pay the overdraft fees. Any fallout is her own fault, not yours.