An account holder is from the 1/7/2010 the right to convert a current account in a P-Account (seizure protection account). The account holder However, there must be a natural person. Running a joint account or an account of several persons of a legal person as a P-account is not allowed. Also important that the account holder may have only one P-Account. Therefore, the bank must report to the conversion SCHUFA.
http://de.wikipedia.org/wiki/Kontopfändung 
