I have a joint account at Bank of America with my husband. My husband also had a joint account at Bank of America with his son that was opened when his son was a minor and needed a parent/guardian on the account. His name had never been removed from their joint account although his son is now an adult and no longer resides at our residence. My husbands ' son 's account was apparently overdrawn and they withdrew funds from my and my husbands joint checking AND savings account and placed them in his son 's overdrawn account without permission or knowledge from either myself or my husband. My husband did, on the day we discovered the withdrawal, close the joint account as the Bank would not remove his name from the account without his son being present and we were not able to reach him. 
