conversation: User (Brexit_My_Bank): "**Final Update**\n\nI went to my bank and took out all but enough to keep the account open. When I asked to make the withdrawal, the guy pulled up my account and went back to talk to someone for a while. He finally gave me my money. I then went to member services to see if I can talk to someone about my issue (and get a new debit card). The woman I talked to was incredibly sympathetic to my situation. She said that it wasn't right that they took the money from my savings and that it was an automatic withdrawal because of delinquency or something. She said that I shouldn't have to jump through hoops to withdraw my own money or get a new card. Unfortunately there's no way to get back my $1600 that was used as a payment. She explained that *I* had made *HIM* the joint on my savings account. Somehow that means that only the money I deposit into that account is going to get taken from me until I can get him removed from the primary savings account (he needs to assist with that part). In the meantime, they set up a secondary savings account which I can use that he cannot touch. She assured me that I am not liable for his debts. My dad is a good guy who is going through some hard times. I'm sure he wasn't trying to pull a 15 year long con job on me.\n\nTL;DR I'm not totally fucked.\n\n**Update:** Edit: A lot of this information is simply wrong so just ignore it. ~~So I talked to my dad and he talked to the bank. Apparently the account was set up when I was a minor and they can't tether his debt to me. I'm guessing it's because I was a minor and he was the one who set up the account for me? They took the money from savings simply because they could. Bye money. I am going to take my money out of this bank and move it over to another one because it seems like this is going to continue to be a thorn in my side. I have an open account with a minimum balance at BoA so I'll move the money there if nobody will give me an account. Hopefully I'm not ruined. Thanks for your advice, everyone.~~\n\n\nOk, I am going to try and lay this all out as concisely as possible. \n\n \nMy main question is this: Can my bank come after the money I have in my checking account because of the negative balance in my shared savings account with my dad?\n \n\n* In college I set up an account at the same credit union as my dad and made him a joint owner of the savings account so he could deposit money for me to live off of\n\n* I am now an adult with a mortgage and bills to pay. I had about $1600 in my savings account for a rainy day. I noticed that the $1600 was gone one day and I had a savings balance of -$26k.\n\n* I called the bank and they told me it was because of my dad. Dad dropped the bomb on me that he is in financial ruin and he will pay me back whenever he has money. No big deal. I'm mad that they took the money without notifying me of any of this, ever.\n\n* I recently had a fraudulent charge on my card while on vacation in the amount of $370. I called the fraud department and they credited my account, canceled my current card, and told me to go down to the local branch and grab a new card. They also brought up the -$26k and had to verify that they could even issue me a new card because of the status of my account. This is when I got worried...\n \n\nWill they be able to go after the money in my checking account? Should I cancel my direct deposit and start moving my income over to another bank?\n \nEdit: Formatting"
  Self: "It is absolutely a big deal that your dad withdrew ~~stole~~ $27600 dollars from your account.\n\n\nYou may not even be able to open another account with such a massively negative balance.\n\n"
  User (Brexit_My_Bank): "He is the one with the massive negative balance. The bank took the money from my savings account because it is shared with his account and used it as a payment. My dad never did anything other than go broke. We had both forgot we had a shared savings account."
  prettynumbers (prettynumbers): "You are on the account - so now you have a massive negative balance.\n\nAlso, your dad is a member of the account, he overdrew.  The bank isn't responsible for letting you know that the other member of the shared account withdrew too much money.  It's not their fault you forgot it was a shared account or that he made a decision that effects you and didn't tell you. \n"
  User (Brexit_My_Bank): "Yes, I understand that it is not the bank's responsibility to let me know. That was not my question. My question is whether or not they can go after the money in my checking account which is not a joint account with his, or are they sort of daisy-chained together?"
  ripcobain (ripcobain): "If he's not on it then no, only people who can garnish you is the government which they can do.  If it's your personal account, seperate from the shared one, you can close it and move the money.  But you won't be able to do that if the checking account is under the shared account at all."
  joshiee (joshiee): "Not true. Most banks have right to offset."
  