I received a garnishment on a customer and the accounts they are on show this person as a signer on the account. Am I able to take funds if they are a signer only or do they have to be an owner on the account?

This is a question best answered by your Bank Manager. However, I believe that garnishment cannot occur if the person being garnished does not own the account.

Think about it this way, if you owned an account and you allowed me to sign on your account (for whatever reason), if I was being garnished, the company/gov't agency garnishing me cannot take the money out of your account. I don't believe that is legal. If they did, you would have a legal action against the agency doing the garnishing.

Now, if the account was owned jointly by both of us, then yes, garnishment can occur.

As stated above, check with the bank manager. But, before you do, just doublecheck the account and make sure the person being garnished is NOT a co-owner of the account.