<prompt> Human: Hi Ive been thinking of opening a shared bank account with my girlfriend to help us save for big vacations together easier. My idea was that we would each put in about 200 a month and then once we save up a significant amount we could use the money to go to Europe or Asia.Is there any legal issues or risks that I should know about when opening an account with someone who isnt my wife? One of my friends seems to think that if she was to stop paying bills that the creditors would come after me because I have a joint account with her. I think that sounds ridiculous, but I dont really know much about it.  <response>: Overdraft the account and guess who gets to pay for it? Either of you! Yey! The bank doesnt care who pays, as long as someone does. And if you two split, she writes bad check on the internet then files for bankruptcy or just lets them go to collections then you get to pay. Will it happen for sure? Most likely not, but how much are you will to bet on it? I am willing to put my ass on the line for no one other than my wife. 