If you are not one of the account holders then yes. Also, if there is a legal injunction prohibiting someone from taking money out of their account. Otherwise, if you have a joint account and there is $50,000 in it of which you only put a small amount and the other account holder put in the rest (or maybe they put all of it in) then it is not illegal if you take almost all of it out, unethical yes, but not illegal. If all you have is a right to survivorship, then you would not be able to withdraw funds, you are merely the beneficiary if the original account holder dies.
