<prompt> Human: Before I begin, we have not and are not asking the bank to reimburse us. I realize my grandma is allowed to take out whatever money she wants, even if it is stupid. This is more of an ethical situation and looking for opinions.Background: My grandma received a phone call last Thursday stating that this was a California Police Dept. and they had my brother in custody. He needed 9500 for bail money, otherwise he would be held until his court date and be sentenced to a 20 year jail term. My 84 year old grandma fell for it hook, line and sinker. She promptly went to the bank, withdrew 9500, put it in a magazine and stuck in Fedex envelope and sent to PO Box. It wasnt until she saw my brother a few days later that we knew what she had done. The local and San Bruno police department both have detectives on it and are helping us out immensely. HOWEVER, this is the ethical part that really has me fired up. When my grandma went into the bank, the bank manager tried to talk her out of it for nearly 30 minutes. Said This doesnt sound right, what do you need this money for?, etc Yet, did not call my mother, who is jointly named on the account, to say your mother is down here trying to drain her savings and it sounds like a scam. The police dept. also commented that it was crazy the bank didnt call them and that they get a call a week from local banks to help assist and prevent these elderly people who are being scammed.We have called the bank to express our concerns and have been met with Then take your money elsewhere. We have no obligation to notify joint account holders of activity. Your mom wasnt very nice to us. We have taken it to Corporate too and they have assumed a defensive stance.My mom has set up alerts to notify her if my grandma withdraws anymore than 200. Any other controls or steps you would suggest taking?We are massively frustrated with the banks oh, well stance, this was 9500. Just seeking opinions.  <response>: the bank acted correctly, IMPO. joint accounts are typically arranged as simultaneous total possession of the funds. there is no trustee or fiduciary. withdrawal limits and alerts are wise. i think this is just a tough, expensive lesson. and its good that you posted it for others to see. obvi contact law enforcement and pursue your remedies against the con artists as hard as you can. 