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

How to add an individual to your checking account.

You'll need to visit a Huntington branch with the person who will be added to your checking account. In addition, you'll need the following information for each person:

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

Open a new joint checking account together.

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 do so in person). You’ll need the information above as well as any documentation required to open a checking account.

Pros and cons of a joint checking account.

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

Pros

  • 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 accountholder will have access to the account
  • For aging relatives, family members can help manage their finances

Cons

  • Some couples prefer to keep their finances private from their partners
  • Since transactions can be made by either account holder without the others consent, potential Overdraft Fees could be charged if accountholders 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?

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