Generally speaking, you can keep your bank account when filing for bankruptcy. If you're on a bank account with someone else, you have to make sure you disclose this on your Schedule A/B the same way you would for a jointly owned car . If it's your primary account and you can claim an exemption to protect the full balance, everything will stay basically the same.
If you're on a joint checking account with someone for their primary checking account, it may be a good idea to remove yourself from the account before filing your case. You should disclose this to the court on your Statement of Financial Affairs and may need to provide the trustee with documentation showing that you didn't make any deposits into the account in the months leading up to the filing.
If you're still on the joint account when your case is filed, whether the trustee can do anything with the account will depend on the law of the state you live in. So, if you're on a parent's or other relative's primary checking or savings account "just in case" and they have significant funds in the account, it's a good idea to talk to a to find out how to handle this before your case is filed.