Yes, your bank will be happy for you to have two current accounts with it - one for yourself and one joint account. But, if you do, the bank can legally transfer money from your personal account to your joint one to cover a debt in the joint account. It can only make the transfer from a personal account to a joint one, and not from a joint account to a personal one. It's not something that happens often - it's only likely to happen if you've repeatedly ignored contact from your bank about the outstanding debt. It would give you 14 days' notice and can only do it if it won't put you into financial difficulty.