The problem is that putting your name on the account may have made it your account, at least in part. That's not for certain--it depends in large part on exactly what was done--but there is a good chance that the act of putting your name on the account made it a joint account. If it was, then it may be that the bank could take the money out; for example, the mortage agreement may have provided that if the mortgage was unpaid, the bank could take the money from any account(s) you had with it. You should retain or consult with an attorney, and bring with you all your documentation relating to the mortgage and to the bank account. Good luck.