It's not even safe to have two accounts at the same bank. Friend of mine had her name on her son's account and his money was stolen out of his account. The bank took money out of her account to cover his bills making several of her checks bounce. Took them a long time to get it straightened out. What makes me mad and I will never do business with her bank is that they never bothered to call them before taking money out of her account. BAD BUSINESS!