<prompt> Human: i am 27 year old and have been deposing all my extras in a bank account at home, as a fail safe i needed a co-shared account in case something happened to me so i let my older sister to be my partner. Am the only one in my family who havent enjoyed life and been working on my future life ever since i graduate, i dont own a house and my belongings are just a 3000 old car and a 1000 4 years old PC. One day my brother who lives in australia wanted money for his university tuition so they asked me since they knew from my sister: 1st time they borrowed 10000 USD i ended up with an empty account 2nd time 1 year ago another 10000 USD but still have few 3rd time today theyre asking for 15000 USD but am not accepting --- My only concern is that there is no written agreement between me and my bro and that with such money i am afraid he wont be able to return it to me. Sometimes i think i should be like my sister who spent all her money and have no saving. ---My question is : Is there a way that guarrantee that the money will go to my family if something bad happens to me cause i dont want any partner that can peek on my savings. --- Edit : thanks for the advices guys heres the outcome: tomorrow i agreed with my parents to sit together and discuss their financial plans, and sign a contract for the loan , and since its with my brother no need to be here to sign it I appreciate so much your wise experienceAssistant: In the US, an account can be titled Payable on Death, which gives no current ownership to anyone else, but passes at death to the named person. I wouldnt trust your family members based on their past behavior. Sorry about that.Human: I dont trust them anymore , am going to check the local rules to see if Payable on death also applies cause the ones who told me that The bank keeps the money are my parents  <response>: Oh, man, yeah, people make mistakes, they may actually think so, and, no, the bank wont keep your money!Yes, check local rules. Many assets can be titled that way, it is an elegant and inexpensive way to transfer them; in my state, we can even make a house Transfer on Death. 