A joint account is a bank account exactly the same as a regular account. The only difference is that the joint account is shared by two or more individuals with the same account privileges. Any member with their name on the joint account has access to all the funds in the account, can withdraw from the account as well as deposit money in it. The point of having a joint account is to have equally shared rights and responsibilities. Hence, one should only open a joint bank account with someone trustworthy. All activity in the account is recorded and can be viewed by all the members of the account. Typically, married couples have joint accounts, business partners, as well as aging parents who require their children to take care of their finances.
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