<prompt> Human: I am almost 18 years old and was 16 when I got my account. I had never had a problem with my finance only when I overdrawn by like 1 some payments were approve before others making it seem like I had enough and had to pay a 35 fine, I latter learned that that is the reason the bank was sued two years back.I wanted to pay the internet bill and checked my current balance on my handy phone app. There I find a 220 processing payment. I usually do not let my account go under 100 so there was no way I paid something like that. Plus I had exactly 25 in each of my checking and savings. I get on the phone and the representatives which were of no help, I was transferred a total of four times, the last transfer being directly back to the 1-800 number. Like WTF? The only info i got was that they could not see why 220 were on hold, that they had just got a new system and that it was a bit slow. The 220 transaction had no description only DeptHold not unlike any other transactions I had ever seen. So I decided to wait overnight because i had to leave for work anyways.This time when i checked my account i find TRANSFER TO OVERDRAWN RELATED ACCOUNT under the 220 payment. I get on the online chat and start to chat with another representative he transfers me to another. Then they say it was an overdraft payment from one of my other accounts. I have no other accounts and it turns out my dad was overdrawn on his account for a bit over a month he has other banks he uses mainly his credit union, the bank then proceeded to take my money claiming it was an overdraft protection transfer. But the funny thing is that my overdraft protection is only liked to my checking and savings. He then proceeds to tell my there is nothing he can do and that I would need to speak with a representative on the phone.I get on the phone and now they tell me the reason they took my was because my dad was a co-owner on my account therefore it is considered his . WTF!!! They said my dad can control my account because of the co-ownership and they have the right to take my . I asked to speak to a supervisor and he told me that is a problem between me and my dad, that I could take him up to the small claims court if i want to but he is not my legal adviser a disclaimer i guess; Yes he told me to sue my dad with all that i had left apparently, and that is the only way to get my . I am done with this bank took it off my direct deposit and will close my account as soon as I can. My dad said he would pay me the 220 if i could not get it back.Is there anything I can do?Is there a bank that would be better?How is this legal?  <response>: Unfortunately there is not much you can do. If your dad is on the account it is his money as well in the eyes of the law therefore they can take it. Suing your dad seems extreme but you can talk to him and see if he will give you the money owed then close the account and open one without his name. Best of luck. 