Joint Bank Accounts

You may want more than one individual on your checking account. Whether it's a significant other, family member, or friend, you can add a person to your account at any time, or open a joint checking account together.

Joint checking account

What is a Joint Checking Account?

A joint checking account is a great option for couples, parents and their children, and senior citizens and caregivers. A joint checking account functions just like an individual checking account. The only difference is that both individuals on the account are able to make transactions.

Open a Joint Checking Account

Huntington makes it easy to open a joint checking account. You can apply for an account online or at a branch (both parties must be present to open a join account in person). Each person will need the following information as well as any documentation required to open a checking account.

  • Social security number/card
  • U.S. government issued ID (such as a driver’s license, state ID card, or passport)

Add an Individual to Your Existing Checking Account

You'll need to visit a Huntington branch with the person who will be added to your checking account. You’ll each need to bring the information listed above.

How Joint Checking Accounts Work

Consider the pros and cons of opening a joint checking account to determine if it's the best option for you.

Pros of a Joint Checking Account

  • Combining money with another person may make it easier to qualify for accounts with higher minimum balance that may offer things like higher interest rates, fewer fees, and rewards
  • Parents can monitor the spending and saving habits of their children
  • Shared expenses, such as rent, can be paid with the joint account
  • In the event of a death, the other account holder will have access to the account
  • For aging relatives, family members can help manage their finances

Cons of a Joint Checking Account

  • Some couples prefer to keep their finances private from their partners
  • Since transactions can be made by either account holder without the other’s consent, potential overdraft fees could be charged if account holders aren’t keeping an eye on their account balance
  • Unpaid debts leave both parties vulnerable for creditors to pursue the account for settlements, even if only one party is in debt

Still Have Questions?

If you can’t find what you’re looking for, let us know. We’re ready to help in person, online or on the phone.

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