<prompt> Human: Hi there,Im in an unfortunate situation, I just found out that Im getting laid off, my wife is due with our first child this month and her bank just took a badly needed 1000 out of my wifes checking account.My wifes grandmother helped her open her bank account when she was like 12 years old, apparently the grandmother was listed as a co-owner or something. Fast forward 22 years, apparently good ol granny is having financial troubles and the bank just took 1000 out of our account to cover whatever debt she is in. My wife didnt even know her grandmother was on her account.Weve obviously tried to contact grandmother but she is unreachable, and is a little dementia-y. There is very little chance shell be able to repay the money . That 1,000 isnt a huge amount but the timing is absolute horrible, especially if I cant find a new job right away. We wont be able to live on unemployment with a new infant. My wife does have a job, but she is on leave right now, she has a very physically intensive job that she cant do when she is 8 12 months pregnant. Shell be returning to work about 8 weeks after giving birth.Anyway, is there any loophole anyone can think of to force the bank to put the money back? It honestly feels like stealing as my wife didnt know that her bank had her grandmother on file, their accounts WERE NOT linked in any way other than the fact grandma had her name on it when it was first created. When all of this was explained to the bank, their response was basically tough shit, you should have known better..  <response>: is there any loophole anyone can think of to force the bank to put the money back?No. my wife didnt know that her bank had her grandmother on file, Thats her fault. How is that the banks fault?When the accounts were opened the fine print probably said something along the lines of if one account is overdrafted we have the right to take money from another account. That money is her grandmothers just as much as it is your wifes. What the bank did was perfectly within their rights and there is nothing wrong with their response. 