Liability for overdraft in a joint account

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Question:

If one owner of a joint account issues a check that overdraws the account balance, can the bank recover the overdraft balance from the other joint owner?

Answer:

In most states, the Uniform Commercial Code, the joint owner would not be liable for the overdraft, but most institutions make the owners “jointly and severally” liable with a deposit contract provision. That means that each joint account owner is responsible for a negative balance in the account.
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