I was wondering if you could actually do what eyesclosed suggested, so I googled it. It's sound advice. Here's a link: How to Close a Joint Bank Account - Financial Web

Excerpt:

"A joint bank account is any account, either checking or savings, that is owned jointly by two or more people. With joint accounts, all parties have equal ownership and thus any individual may close the account without the consent of other joint account holders."

Interesting. I didn't know it worked that way. So you have options. At least, check every account, and find out what each one holds. If you don't want to close them out, consider withdrawing at least some of the money and put it where only you can get it.