How to Open a Joint Checking Account Online and In Person

Not all bank accounts are meant to fly solo. While most of us are familiar with checking accounts, there is another option designed specifically for sharing: the joint checking account. But how do joint accounts work? And how do you open a joint checking account online vs. in person? Keep reading to find out!

Joint Checking Account Definition

A joint checking account is a shared bank account that gives two or more people equal access to the money inside. Both account holders can deposit, withdraw, and manage funds just like they would with an individual checking account.

Opening a joint account often occurs during major life milestones. You might create an account with your spouse or partner to manage household expenses, open a joint checking account with a parent to help with bills as they age, or get an account for your soon-to-be college student.

So, what are the benefits of joint accounts? Here are a few common highlights:

• Shared Financial Goals — Budgeting for vacation, college tuition, or a big purchase.
• Transparency — Both parties can see where money is going.
• Simplified Bill Payments — No more guessing who covered which expense.
• Convenience — One account, one set of statements, one place to manage your money.

FYI: It is worth mentioning that financial institutions don’t offer separate “joint account” products. You pick the checking account you want—free, interest-bearing, rewards, etc.—and then open it with two names on the account. The “joint” part simply refers to how the account is registered, not the type of account itself.

Can You Open a Joint Checking Account Online?

Yes! Many banks make it easy to open joint accounts online—even if both people aren’t in the same place! You simply need to provide the basic information for both account holders. The best banks streamline the process so you can complete everything digitally without needing to coordinate schedules or visit a branch together. Overall, opening an account should take just 5 minutes as long as you have all your materials ready.

How to Open a Joint Checking Account Online

Opening a joint checking account online is straightforward when you know what to expect. Here’s how to begin:

• STEP 1: Discuss Account Management — Before starting the application, determine the “ground rules” with your other account holder. Ask yourselves:
  • What will you use the account for? (Ex: shared bills, financial goals, household expenses, etc.)
  • How much will each person contribute? How often?
  • Will you also keep your individual bank accounts?
  • What are the spending limits and approval requirements?
• STEP 2: Pick the Right Bank for Your Needs — Look for the best bank for joint accounts—one that offers low fees, strong mobile banking* tools, and FDIC insurance. Compare features like overdraft protection, digital check deposit, and top client support.
• STEP 3: Gather Your Info — For both applicants, you will need to provide basic information like:
  • Full name, address, and email
  • Government-issued ID (driver’s license or passport)
  • Social Security Number or Tax ID
  • Employment status and citizenship details
• STEP 4: Start the Application — Begin online and use the “Add a Person” option to include your shared account holder. Most banks make this step easy by providing clear prompts.
• STEP 5: Review and Sign — Accept the agreements and complete e-signatures. If only one person is present, the absent person will receive an email to sign electronically.
• STEP 6: Fund Your Account — Choose whether you want to deposit money now or later. You can fund the account via online transfer, check, or cash. Some banks require a minimum deposit, so remember to review the details before you start!
• STEP 7: Order Debit Cards and Checks — Each person can get their own debit card and checkbook. If you don’t add them during account setup, you can usually order them later through your bank’s digital banking platform or in-person at a branch.

Once your account is set up, take time to review your bank’s online tools and security features. You can set up alerts, mobile access, and budgeting tools, helping BOTH account holders stay informed and avoid surprises.

How to Open a Joint Checking Account In-Person

If you prefer face-to-face service, head to a banking branch and bring your required information/documents. A personal banker will walk you through everything, answer your questions, and make sure you understand the account terms. This option is a great idea if you want special guidance or need to make changes immediately.

How to Modify a Joint Checking Account

Life changes, and so do your banking needs! If you want to add someone to the account later, visit a bank location for assistance. Your personal banker will submit a form for approval. To remove one of the account holders, all signers MUST be present, then the changes are approved by the bank.

PRO TIP: In many cases, instead of removing an account co-owner, most people just create another bank account for themselves and transfer their share of joint account funds. This approach is often simpler and faster, especially if the relationship between account holders is strained or if scheduling is too difficult.

Finding the Best Bank for Joint Checking Accounts

When you are ready to get a joint checking account, Academy Bank is your go-to partner. We offer a wide range of account options, so there is something for everyone:

• Simply Free Checking Account¹ — Perfect for everyday banking with no monthly service charges and no minimum balance requirements.
• Select Rewards Checking Account² — Go BEYOND basic banking with checking account offers that deliver real value. This includes fuel savings, buyers’ protection, discounts at thousands of retailers, and more!³
• Elite Investment Checking Account — Do checking accounts earn interest? This one can! Elite Investment Checking features tiered interest rates, so the more money you keep in your account, the more you earn.
• Student Checking Account — For students under 23 years old, this account has no monthly service charges, free access to a network of ATMs, and mobile banking* features.

Whether you want to open a joint checking account online or at a branch, Academy Bank has you covered!

Compare Checking Accounts

Find Banks Near Me