Joint accounts explained: who signs, who sees, who owns?

A joint account has two holders who can both see balances and activity. Each holder has equal rights to the money in it.

The important choice is the signing rule. With single-signature, either holder can approve a payment. With dual-signature, both holders must approve, which suits business partners and larger shared funds.

Agree upfront what the account is for, how much each person pays in, and what happens if you part ways. A short conversation now avoids a hard one later.

This article is general information, not financial advice.