<prompt> Human: My girlfriend is from Guatemala, and I am from the US. I send her money via Western Union occasionally, but there is a 10 fee for each transfer. I would for us to be able to open a Citibank joint checking account, and each of us have a bank card for withdrawals and deposits. Is this against the law? Will Citibank have any issues with this? Thanks.  <response>: Is there a way you can open an account in your name and give her a debit card as an authorized user? Thats what my mom did when I went to school overseas. 