<prompt> Human: Final UpdateI went to my bank and took out all but enough to keep the account open. When I asked to make the withdrawal, the guy pulled up my account and went back to talk to someone for a while. He finally gave me my money. I then went to member services to see if I can talk to someone about my issue and get a new debit card. The woman I talked to was incredibly sympathetic to my situation. She said that it wasnt right that they took the money from my savings and that it was an automatic withdrawal because of delinquency or something. She said that I shouldnt have to jump through hoops to withdraw my own money or get a new card. Unfortunately theres no way to get back my 1600 that was used as a payment. She explained that I had made HIM the joint on my savings account. Somehow that means that only the money I deposit into that account is going to get taken from me until I can get him removed from the primary savings account he needs to assist with that part. In the meantime, they set up a secondary savings account which I can use that he cannot touch. She assured me that I am not liable for his debts. My dad is a good guy who is going through some hard times. Im sure he wasnt trying to pull a 15 year long con job on me.TL;DR Im not totally fucked.Update: Edit: A lot of this information is simply wrong so just ignore it. So I talked to my dad and he talked to the bank. Apparently the account was set up when I was a minor and they cant tether his debt to me. Im guessing its because I was a minor and he was the one who set up the account for me? They took the money from savings simply because they could. Bye money. I am going to take my money out of this bank and move it over to another one because it seems like this is going to continue to be a thorn in my side. I have an open account with a minimum balance at BoA so Ill move the money there if nobody will give me an account. Hopefully Im not ruined. Thanks for your advice, everyone.Ok, I am going to try and lay this all out as concisely as possible. My main question is this: Can my bank come after the money I have in my checking account because of the negative balance in my shared savings account with my dad? In college I set up an account at the same credit union as my dad and made him a joint owner of the savings account so he could deposit money for me to live off of I am now an adult with a mortgage and bills to pay. I had about 1600 in my savings account for a rainy day. I noticed that the 1600 was gone one day and I had a savings balance of -26k. I called the bank and they told me it was because of my dad. Dad dropped the bomb on me that he is in financial ruin and he will pay me back whenever he has money. No big deal. Im mad that they took the money without notifying me of any of this, ever. I recently had a fraudulent charge on my card while on vacation in the amount of 370. I called the fraud department and they credited my account, canceled my current card, and told me to go down to the local branch and grab a new card. They also brought up the -26k and had to verify that they could even issue me a new card because of the status of my account. This is when I got worried... Will they be able to go after the money in my checking account? Should I cancel my direct deposit and start moving my income over to another bank? Edit: Formatting  <response>: If I were you Id be getting a lawyer, now. It may depend on the state you live in, but its very possible that because its your account, the bank may sue you for the whole 26k, and unless you have that kind of cash lying around you could be forced into bankruptcy over this.Also Id look at whether the bank knew what they were doing - did your dad have his own checking account? And the bank then took money from the joint savings account to cover the negative balance on his individual checking acocunt? The only reason I can think they would do this is because they knew it was a joint savings account it gives them one extra target to go after to recover the funds. That might help sway a judge in your favor...Disclaimer: Im not a lawyer, this is just an opinion! 