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How do joint accounts work?

Last updated:

March 5, 2024

2 minutes


Joint accounts are deposit accounts that are owned and managed by multiple individuals (typically consumers). Spouses or partners often share joint accounts; alternately, parents may share joint accounts with their children, giving them access to debit cards.

From a technical perspective, creating a joint account is similar to creating an individual account. The difference is that you must provide an array of two or more customers as part of the Create-Account API call. All applicants will individually undergo the KYC process defined in the End-Customer Applications Guide.

Originally published:
July 17, 2023

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