AArrg.....this is what drives lawyers crazy...:) Okay, let me try to comment here. First the bank teller is not a lawyer. What they told you is probably right in your state, as far as it goes. I am not going to second guess that part. But, having another name on the account also may mean that your account is vulnerable if the other person gets sued....like has an automobile accident or has a tax levy....your money can "go away" for the other person's action. NOW, I AM NOT telling you to change it. In your case, it may not be a lot of money....and the risk of future garnishments on your son may be very small versus the need for him to have access to instant cash. Only you can make that call. The reason this issue drives lawyers crazy is because the bank only told you half the story, the good half. I personally like my clients to know both sides of the story first...then they can make informed decisions. Also, let me say in defense of your friendly bank teller. I am certain they were trying to help you. They just don't know what they don't know. That's what I mean when I say a little knowledge is a dangerous thing. I hope that helps.