<prompt> Human: My friend and her boyfriend have had some pretty bad problems over the last year to the point where shes been heavily depressed, borderline suicidal. Shes tried leaving him, but hes threatened terrible things including ruining her credit if she ever tried to leave. She added him to her bank account and when she asked the bank to remove him, they said they werent able to do so and now their finances are connected. She made it sound like the bank could not take him off of the account, nor close it without his consent. I mentioned she should open another account and start putting her money only into that one, but he could still overdraft the current account. Do bank accounts really work this way? What can she do?  <response>: Are you sure they said they wont close it? Banks will usually not allow you to remove an authorized signer without consent but will allow you to close the account completely. Tell her to talk to someone else at the bank.Is he an authorized signer or joint owner? That might make a difference Im just googling things for this. 