Can I add a stipulation on my son's savings account (he is a minor and I am a joint owner on the account) where the financial institution will not allow him to withdraw funds from the account?
If the bank allows your son's withdrawal rights to be taken away, the account won't be jointly owned any longer. If FDIC insurance limits are a consideration, the account would be considered yours and combined with any other sole ownership accounts you have in the same institution.
As a joint owner, you certainly have the right to close the account out and move the funds to a different account in your name with your son named as a beneficiary in the event of your death, or to an account established under the Uniform Transfers to Minors Act (UTMA) in your state. You should ask your banker about these types of accounts (Pay on Death and UTMA) before making a change, because there are important differences between them.
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If the bank allows your son's withdrawal rights to be taken away, the account won't be 