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Joint bank accounts can be a smart way to consolidate funds and manage household expenses, but they're not a perfect choice for everyone. It's important to analyze your individual situation to determine if they're a good option for you.
In a joint checking account, all funds are shared and available in full to both signers on the account. This means your money is not just yours — it also belongs to your co-signer. Both of you can use all available funds regardless of who deposited the money; on the flip side, you’re both responsible for fees, debts, and penalties on the account.
Since you both have equal access to your joint checking account, be sure to keep good track of your balance and hold each other accountable for spending. You may share one checkbook but carry your own debit cards. You also have the option to share online banking. As you each make payments from the account, pay attention to each other’s spending so you know how much you have left and therefore don’t risk an overdraw. This can easily be done by having low balance alerts or transaction confirmations sent to your mobile phone or email.*
Joint checking accounts are typically used by the following people:
Some customers prefer to open a joint checking account for some expenses and individual accounts for others. For example, you may want to pay for your car or credit card from your individual account while saving a joint account for shared household expenses. To help fund these accounts, direct deposits can usually be split between them.
We are committed to helping you reach your potential by providing personalized solutions. Our dedicated colleagues can help you find the right product to help you reach your goals. To learn more about joint checking accounts, please call 1-877-360-2472, visit us online, or Ask a Citizen at your nearest Citizens Bank branch.
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