<prompt> Human: Note: Its my first time posting here. My dad is having some problems and wants me to help him.Since my dad has bad credit and owes the bank money, he cant open his own bank account. I am not sure how to clearly explain this but, he wants to have an account within my bank account like those teen accounts that parents set up for their kids. Would the bank take away my money because they notice that he owes money? Would that ruin my credit?  <response>: Dont do it. Yes, if you have an account at the same bank, they can and will take money from your joint account to repay any of his debts.It doesnt sound like a good idea to add him. There are plenty of pre-paid debit card programs that work like a bank account. 