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Joint Account Application/Letter With Sample 3+

Joint bank account application with 3+ sample.

Table of Contents

Joint account application: Normally we open a joint account instead of two different accounts on two different names. As it is very hassle to maintain two different accounts, opening a joint account is the best way. Joint account is the best choice for the husband and wife. Besides it, partners of a business open this type of account to maintain or run the business.

If you have already an account, you do not have to open a new one. Just transfer the previous account into a joint account. Submit an application and the documents of the person whom you want to associate with your account and fulfill the formalities. Here you will get the application.

Unless you have an account, you have to apply and submit the documents for both of you.

 Application/ Letter Format

Opening joint account sample.

The Manager

Central Cooperative Bank

Kaliachalk Branch

Date: 00/00/00

Sub: [Opening a joint account]

Respected Sir/Madam,

With due respect, we beg to state that we are the permanent residents of kaliachalk. We intend to open a jointly saving account with your bank in the name of ourselves Mr. Ajay Kumar Mandal and Mrs. Radhika Mandal (Husband and wife). We have all the necessary documents.

We can come to the branch to complete the formalities at any time of your convenience.

Thanking you

Yours sincerely

[Your name]

Request For Opening Joint Bank Account

The Bank Manager

State Bank of India

Sukantamore Branch

Sukantamore

Sub: [____________]

With a lot of respect, I beg to state that we are businessmen. We have run a business. We would like to open a joint bank account in the names of ourselves Amit Dey and Arjun Karmakar (Business partner) with your branch for our business purpose. We have attached all the necessary document copies along with this application.

We, therefore, request you to co-operate us opening a joint bank account.

[Name of the applicent]

Application For Joint Bank Account

The Branch Manager

Bank of India

Harish Chandra Pur Branch

Harish Chandra Pur

Sub: [ ______________ ]

Dear Sir/Madam,

I am writing this letter to inform you that I am an account holder with your branch. My account number is XXXXXXXXXX. Now I would like to associate my son [Ashutosh Kumar Saha] as a joint account holder of my account. The required documents of my son have been enclosed with the application.

Please do the needful at your earliest and provide ATM card, passbook, cheque book, to my son as a new account holder.

Yours faithfully

FAQ’s Joint Bank Account Application

Can a couple open a joint bank account?

Answer: Yes. A couple can open a joint account. A joint account can be opened with a son, daughter, wife and any other relatives. Even business partners can open it.

How can I write a letter from bank to single account to joint account?

Answer: It is very easy to write a letter. You can follow the format that has been presented in our blog and get an idea about it. Then you can write a new letter by yourself.

How do I apply for a joint account?

Answer: You should write an application mentioning the reason of opening a joint account. And then go to the bank manager and talk about it.

Can you open joint account without being married?

Answer: Yes you can open a joint account without being married. You can do it with your relatives and business partners.

Which bank is best for joint account?

Answer: It is totally depends on you. All banks provide this facility to the customers.

Does joint account have ATM card?

Answer: Yes. Joint account holders have ATM cards. They can withdraw money from the funds.

Does a joint account need both signatures?

Answer: Both signatures are equal for the activities of the bank.

Who can close a joint account?

Answer: The co-owner of the account can close a joint account.

Can joint account convert to single?

Answer: Yes you can convert your joint account into a single account but you have to go to the branch and talk with the manager and submit a letter and fulfill the formalities of the bank.

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  • Who Should Open One?
  • Opening a Joint Checking Account

Things to Consider

Keeping some money separate.

  • Joint Checking Account FAQs

The Bottom Line

  • Checking Accounts

How to Open a Joint Checking Account

Merging money is a big step for many couples. Here's how to do it.

Amy Fontinelle has more than 15 years of experience covering personal finance, corporate finance and investing.

application letter for opening joint account

Opening a joint bank account is a big step for a lot of couples. For some, it happens when they move in together, get engaged, or get married. Other times, couples keep their finances separate at first and then later decide that they want to mingle their money. (And sometimes, even married couples choose to keep all of their accounts separate.)

For people who share expenses, it's often easier and more practical to have at least some of their money in shared accounts, which makes it convenient to pay for joint expenses like housing, food, and other regular bills. While couples often share savings and investment accounts, too, a joint checking account can be a good place to start.

Key Takeaways

  • Couples, parents with teenagers, and adult children with aging parents can benefit from the conveniences of a joint checking account.
  • Opening a joint account is similar to opening a personal account and will require information from both partners.
  • It may make sense to retain individual checking accounts, as well as share a joint checking account.

Who Should Open a Joint Checking Account?

Couples (whether married or not) who are in committed, long-term relationships are good candidates for joint accounts. You need to fully trust the person you open a joint account with since each account holder has full access to the money held by the account. That means that either person could withdraw money or even drain the account and close it without the other person's consent.

This equal access comes in handy during illness or other times of crisis; for example, if one of the account holders gets sick, the other can access funds and pay medical bills as well as keep the household running. And if one person dies, the other will have continued access to those joint funds without needing to deal with a will, probate court , or lawyer, as long as the account has the right of survivorship.

Newly married couples managing money together aren't the only people who will benefit from a joint account. Parents and teens—as well as adult children caring for their aging parents—may want to consider a joint checking account. The parent of a teenager can then monitor their child's account activity and deposit money on their behalf. And caregivers of older or ill adults can easily access funds to pay for care .

Investopedia / NoNo Flores

Opening a joint checking account is very similar to opening an individual checking account . Select "joint account" when you fill out your application or, after you fill in one person's information, choose to add a co-applicant.

Both people may need their Social Security number, birthdate, mailing address, photo ID, and information for the accounts you plan to use to fund your new account. Another option is to add one partner to the other partner's existing account.

In a joint bank account, each account holder is insured by the FDIC . That means the total insurance on the account is higher than it is in an individual account.

Managing money as a couple requires clear communication and expectations. It's important to discuss how you'll each deposit money into the account and use the money once it's there, ideally before you open the account. Remember, each person can access joint funds and talk to the bank without notifying the other person. Additionally, any money in a joint account may become vulnerable if one person has unpaid debts, as creditors can, in some cases, go after money in the joint account.

Opening a joint checking account doesn't mean you need to close your individual accounts. Many couples keep individual accounts for personal expenses, as well as joint ones for household and other joint expenses. In some cases, each partner contributes an equal sum to the account each month. Or, each person contributes an equal percentage of their take-home pay. Whichever path you choose, be sure to clearly lay out the expectations for both deposits and withdrawals.

What Do You Need to Open a Joint Checking Account?

What is needed to open a joint checking account is the same as what is needed to open a regular checking out. These items include proof of identification of both individuals, personal identification such as Social Security numbers, proof of address, and possibly cash to fund the account.

Can I Open a Joint Checking Account With Anyone?

Yes, individuals can open a joint account with anyone. Most often, however, joint checking accounts are opened between partners or family members, but any two people can open one together.

Do Both Parties Need to Be Present to Open a Joint Checking Account?

Both parties do not necessarily need to be present to open a joint checking account. Many accounts today can be opened online, therefore, both parties do not need to be present but the identification of both parties will need to be provided.

A joint checking account can be a good place to start for couples looking to merge their finances. Having a joint checking account comes with many benefits, such as better protection and an easier way to pay for joint expenses.

Consumer Financial Protection Bureau. " I Have a Joint Checking Account. The Other Person Closed the Account Without Telling Me. Is That Allowed? "

Consumer Financial Protection Bureau. " I Have a Joint Account With Someone Who Died. What Happens Now? "

FDIC. " Your Insured Deposits ."

Nolo. " Bank Levies on Joint Accounts (Spouse) ."

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application letter for opening joint account

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How To Open a Joint Bank Account

application letter for opening joint account

A joint bank account is a popular solution for couples or other groups who need to deposit and withdraw money to and from the same account.

However, when more than one person has access to the same bank account, maintaining clear communication and expectations about the use of the account and the money kept in it is critical.

This guide to joint bank accounts covers what a joint bank account is, its advantages and disadvantages, and how to open one.

What Is a Joint Bank Account?

A joint bank account is a checking or savings account that is owned and controlled by two or more people (Your bank may limit how many owners a joint account can have). Any of the account's owners can make deposits into and withdrawals from the account. 

In many cases, everyone included in a joint checking account receives a debit card to make purchases and access the account through an automated teller machine (ATM). Similarly, all owners have access to checks.

When you are a co-owner of a joint bank account, you don't need the consent of the other owners to conduct any transactions using funds from the account.

Who Can Benefit From Opening a Joint Bank Account?

Here are a few scenarios in which having a joint bank account can be beneficial.

Traditionally, joint bank accounts have been the domain of married couples. However, in recent decades, unmarried couples in committed relationships have also benefited from having equal access to a joint bank account. A joint account makes it easy to cover shared financial responsibilities such as paying housing costs, utility bills, and grocery purchases.

Teenagers and Their Parents

Joint bank accounts are also helpful for teaching a teenager about money management. With a joint bank account, a teen can make purchases and deposits on their own. However, it also allows you to keep tabs on the account balance and transactions. In addition, you can also transfer money from a linked account if your teen needs extra funds.

Elderly Adults and Their Caregivers

Joint bank accounts are also helpful for elderly parents and their adult children or other trusted caregivers. In this situation, not only does a joint bank account allow caregivers to help aging parents with their finances but, in case of an emergency, an adult child can access the money in the parent's account. Adult children can also keep tabs on the account balance to protect against fraudulent activity. This benefit is especially important, given how financial crimes against the elderly are on the rise [1] .

However, whomever you decide to share a joint bank account with, it's critical that you completely trust the other person and can maintain clear, efficient communication about the account and the money within it.

One partner's poor money management skills can quickly become the other's financial problem when you both share a bank account.

Keep in mind that you can still keep a separate individual bank account in addition to a joint account. Many committed couples maintain separate accounts for personal use and a joint account for shared household expenses. If you and your partner decide to keep multiple accounts, discuss expectations for contributing and withdrawing to and from the joint bank account. For example, are both partners contributing identical amounts of money to the joint account every month?

Pros & Cons of a Joint Bank Account

As with all things, there are both positive and negative aspects of opening a joint bank account. Let's look at some of the major pros and cons of opening and operating a joint bank account.

Pros of a Joint Bank Account

  • Joint bank accounts make it easy for more than one person to contribute to shared expenses, such as mortgage or rent payments, car payments, utility bills, etc.
  • They also allow partners to save toward a shared financial goal, such as a much-needed vacation or the down payment on a new house.
  • Using a joint account increases financial accountability, potentially making it easier to stick to a budget by discouraging "secret" and unnecessary purchases.
  • Joint bank accounts can allow adults to keep tabs on their teenagers' spending and help them create healthy habits — as well as have a convenient way to transfer funds from their own accounts when necessary.
  • Joint bank accounts can prove valuable to adult children helping elderly parents manage their money.
  • The Federal Deposit Insurance Corp. (FDIC) insures every account holder individually up to $250,000 [2] . So, if there are two owners of a joint bank account, the total FDIC coverage would be $500,000.

Cons of a Joint Bank Account

  • If one of the account holders is careless with money, creditors such as credit card companies and the IRS may take money from the joint account to cover any debt owed.
  • A lack of cooperation and communication regarding the joint bank account can create stress and conflict in a relationship.
  • All account owners are responsible for overdraft fees and other charges.
  • Because all account owners can access the account, there's a lack of financial privacy and independence.
  • If you and your partner end the relationship, you will need to close the bank account and divide the funds between you.

Of course, the decision of whether or not to open a joint bank account ultimately lies with you and your partner, parent, or teenager.

Here's How To Open a Joint Bank Account

The process for opening a joint bank account is similar to opening an individual account. However, during the application process, you specify that you're opening a joint account. You will need to provide your bank with information for all of the owners listed on the new bank account, including:

  • Your full names (as appearing on a government-issued photo ID)
  • Your Social Security numbers
  • Your mailing addresses
  • Your phone numbers
  • Your dates of birth

All applicants will likely need to be present if you're opening a new joint account in person. Make certain everyone brings along their government-issued photo IDs.

If you're applying for the account online, you won't all need to be physically present. However, you will need to upload images of all account holders' photo IDs.

Many banks will also allow you to add a co-owner to an already existing individual bank account. Typically, you will need to do this in person rather than online.

How To Close a Joint Bank Account

There may come a time when you may want to close a joint bank account due to the dissolution of a relationship, a death, a decision to change banks, or any number of other reasons. 

Banks have different rules about who can close a joint account. Some allow one account holder to unilaterally make that decision. However, others require the consent of all living account holders before the joint account can be closed. Check with your bank to make sure you understand its account closure policies.

It is always a good practice never to close one bank account without first having another into which you can transfer funds. Before closing your joint account, make sure all the money has been withdrawn or moved to a different account.

The Bottom Line

Joint bank accounts can be helpful if more than one partner shares the financial responsibilities of a household. They are also popular among adult children caring for aging or ill parents. By having a joint account, caregivers can help parents pay for medical or other expenses, as well as prevent fraudulent activity. Joint accounts can also benefit parents who want their teenagers to learn good money management habits.

However, before opening a joint bank account with anyone, make sure you trust the co-owner completely. Keeping the lines of communication open regarding the use of the account and the funds kept inside is also critical.

When used responsibly, a joint bank account can help strengthen a relationship and make sure the bills get paid.

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application letter for opening joint account

Important Legal Disclosures and Information

1. "FBI Springfield Warns Elder Fraud Continues to Be A Growing Problem," Federal Bureau of Investigation, Springfield. May 10, 2023. https://www.fbi.gov/contact-us/field-offices/springfield/news/fbi-springfield-warns-elder-fraud-continues-to-be-a-growing-problem

2. "Deposit Insurance at A Glance," Federal Deposit Insurance Corp. (FDIC), September 13, 2022, https://www.fdic.gov/resources/deposit-insurance/brochures/deposits-at-a-glance/

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These articles are for general information purposes only and are not intended to provide legal, tax, accounting or financial advice. PNC urges its customers to do independent research and to consult with financial and legal professionals before making any financial decisions. This site may provide reference to Internet sites as a convenience to our readers. While PNC endeavors to provide resources that are reputable and safe, we cannot be held responsible for the information, products or services obtained on such sites and will not be liable for any damages arising from your access to such sites. The content, accuracy, opinions expressed and links provided by these resources are not investigated, verified, monitored or endorsed by PNC.

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Our first bank account, a guide to opening your first joint bank account.

March 16, 2022 | 3 min read

Whether it’s saving for a big trip or making quick, on-the-go purchases, a joint checking or savings account can make certain aspects of money management a little easier. But you’ve got to know how it works and whether it makes sense for you.

What is a joint bank account?

A joint bank account is a shared bank account between two people. Sharing a bank account makes it possible for either party to deposit and withdraw funds, and usually provides full access to the shared account. No more having to transfer money back and forth or discuss who buys what. You can spend together and save together with joint checking and savings accounts.

Who owns the money in a joint bank account?

The beauty (and ease) of a joint bank account is that both of you can access it at any time. Since the account will belong to the two of you, you both have equal ownership. This means you can withdraw or deposit money whenever you see fit. 1

Say you’re saving for a dream vacation to the shores of Sicily. With two people making regular deposits toward a goal, reaching it may feel easier. You’ll not only see every deposit that’s made, but you can also cheer each other on with your eye on the prize.

On the flip side, your joint account holder can change their mind, withdraw that money or use it for something else entirely. Trust, therefore, is a must for anyone sharing a bank account. While it can be a good way to start building a financial partnership, it’s a big step for any relationship. Here are some pros and cons so you can decide for yourself:

Joint bank account pros and cons

  • Couples can use cash in a joint checking account to cover shared expenses such as rent, bills and date nights.
  • A joint savings account can help you save more easily together for any of your wants or needs.
  • Each account holder is insured by the FDIC up to allowable limits, increasing the amount of total coverage. 2
  • You can share responsibilities based on who’s best at any given task, such as paying bills on time or managing a budget.
  • Finally, if one account holder passes away, the other may have access to the account without having to locate a will or involve a lawyer. 3
  • One partner could overdraw the account , meaning you’d both be on the hook for potential fees.
  • If one account holder lets debts go unpaid, creditors can pursue money in the account for settlements. 1
  • Both account holders can see all transactions in the account, bringing certain obsessions with golf, shoes, books or video games out into the light of day.
  • Individuals sharing the same joint account may have different tax obligations, so it may help to get advice from a pro come tax season.

Find the best joint bank account for you

Exploring  bank accounts  together is also a good opportunity to get comfortable talking about money. As you compare features that come with different accounts, you can decide what’s important to both of you. You can also discuss what the account will be used for. Will it be for everyday bills? Managing  debt and savings ? Putting money away for a big event or purchase?

Once you find an account that works for both of you, follow the bank’s account opening process. Whether you open your joint account online or in person, you’ll probably both need your: 4

  • Social Security number.
  • Proof of address.
  • Other general information, such as birth dates.
  • Opening deposit (in some cases).

How to close a joint bank account

This may be surprising, but only one account holder may be needed to close a joint account . 5 Once you’re at a zero balance, you can take your ID to your branch and fill out the correct form. However, if you’re closing your joint account online, you may both be asked to sign in separately. In some cases, faxed or mailed requests are accepted, but not often.

Depending on where you are in your financial journey, a joint bank account may help you reach your goals, or at least get better at discussing and planning for them. Just make sure you consider the pros and cons and agree about how you’ll manage everything from saving to spending to handling mishaps.

A financial journey for two takes work—but has advantages that make it worthwhile for many.

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Application for opening joint bank account.

Sample  Application for Opening Joint Bank Account. If any person wants to open joint bank account he/she needs to write application to bank mentioning the person and confirmation with which the joint account is to be opened. Easy format is provided below.

Sample Application for Opening Joint Bank Account

To The Manager, Indian Bank.

Subject: Application for Opening Joint Bank Account

Respected Sir,

With due high esteem, It is stated that I want to open a new account on partnership basis in your bank branch. The said joint account will be shared with my business partner Mrs. Arvan Khuraana for $ 200 at initial. The reason for opening the joint account is that I normally live in different foreign countries for my business dealings and it would be very difficult for me to come to my native place and sign the cheque book to be cashed from bank without any hassle.

It would be easier for me to assign the cashing and withdrawing authority to my wife on my behalf. The ID copies and all the mandatory paper work is done by me and is also attested. Kindly open a joint account under our account title. I shall be very thankful to you.

Yours Truly, Arvan Khuraana May 10, 2021

Application to Open Joint Bank Account

The Manager, Standard Chartered Bank.

Subject: Application for Joint Bank Account

With respect it is stated that I want to open a Join Bank Account of my mother and father in your prestigious bank. I am already an account holder here but I am moving abroad and I have to send them money. For this, a joint account is an essential thing so that both of them can get full access to the account, under the title of Mr. and Mrs. John Green. I have attached all the testimonial required along with the application. I hope that you will work on it and provide me with satisfactory reply as soon as possible. Your services have always been reliable and I wish to have the same in future.

Thanking you in anticipation.

Eva Smith Contact: 000-000-000

Application to Open Joint Bank Account

Request Letter to open Joint Account

[Your Name] [Your Address] [City, State, ZIP Code] [Your Email Address]

[Bank Manager’s Name] [Bank Name] [Bank Address]

Subject: Request to Open a Joint Account

Dear [Bank Manager’s Name],

I hope this letter finds you well. I am writing to request the opening of a joint bank account with my spouse, [Spouse’s Full Name]. We are both existing customers of [Bank Name].

1. Personal Information:

a. My Information:

  • Full Name: [Your Full Name]
  • Date of Birth: [Your Date of Birth]
  • Account Number: [Your Existing Account Number]

b. Spouse’s Information:

  • Full Name: [Spouse’s Full Name]
  • Date of Birth: [Spouse’s Date of Birth]
  • Account Number: [Spouse’s Existing Account Number]

2. Type of Account: We would like to open a [Specify the type of account, e.g., Savings Account or Checking Account] jointly.

3. Purpose of Joint Account: The purpose of opening this joint account is to simplify and centralize our financial transactions, including bill payments, savings, and investments. We both agree that having joint access to this account will facilitate our financial management and contribute to our shared financial goals and responsibilities.

4. Authorization and Access: Both of us understand that by opening this joint account, we will have equal access and control over the funds in the account. We authorize each other to conduct all banking transactions, including deposits, withdrawals, and transfers, on behalf of the joint account.

5. Additional Information: We are aware of the terms and conditions of [Bank Name] regarding joint accounts and agree to abide by them. We understand that either of us can make changes to the account or close it with the consent of both account holders.

6. Signature and Identification: Enclosed with this letter are copies of our identification documents, including our passports and driver’s licenses, as well as our signatures for your records.

[Your Full Name]

Application for Opening a Joint bank Account

[Your Name] [Your Address] [Your Email Address] [Your Phone Number]

Subject: Application for Opening a Joint Bank Account

I hope this letter finds you well. I am writing to formally request the opening of a joint bank account with my [Spouse/Partner/Co-account holder], [Spouse/Partner’s Full Name].

  • Social Security Number (SSN) or Tax ID: [Your SSN/Tax ID]
  • Address: [Your Address]
  • Phone Number: [Your Phone Number]
  • Email Address: [Your Email Address]

b. [Spouse/Partner’s Information]:

  • Full Name: [Spouse/Partner’s Full Name]
  • Date of Birth: [Spouse/Partner’s Date of Birth]
  • Social Security Number (SSN) or Tax ID: [Spouse/Partner’s SSN/Tax ID]
  • Address: [Spouse/Partner’s Address]
  • Phone Number: [Spouse/Partner’s Phone Number]
  • Email Address: [Spouse/Partner’s Email Address]

3. Purpose of Joint Account: The purpose of opening this joint account is to streamline our financial transactions, including managing household expenses, savings, and investments. By having equal access to this joint account, we aim to simplify our financial management and work together toward our shared financial goals.

4. Authorization and Access: We both understand and agree that by opening this joint account, we will have equal access to the funds in the account. We hereby authorize each other to conduct all banking transactions, including deposits, withdrawals, transfers, and any other activities related to the account.

5. Additional Information: We are fully aware of and agree to abide by the terms and conditions set forth by [Bank Name] regarding joint accounts, including the rights and responsibilities of both account holders. We understand that either of us can make changes to the account or close it with the consent of both account holders.

6. Signature and Identification: Enclosed with this letter are copies of our identification documents, including our passports (or driver’s licenses) and Social Security cards (or Tax IDs). We have also provided our signatures below for your records.

[Your Signature] [Spouse/Partner’s Signature]

7. Next Steps: We kindly request your guidance on the steps and documentation required to initiate the account opening process. Please inform us of any additional information or forms that are needed, and we will promptly provide them.

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Applying for Bank Accounts FAQs

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Please tell us where you bank so we can give you accurate rate and fee information for your location.

You can apply online for a checking account , savings account, CD or IRA. Simply select an account, enter your personal information, verify your information and choose features & funding options. You will receive an email once your application is received and a follow-up email telling you whether it has been approved, plus any next steps.

For a faster application process, please have the following information on hand when you begin your application:

  • Your Social Security number
  • Your current residential address
  • Your email address
  • Your account number or debit card number to make your opening deposit into your new Bank of America account
  • Co-applicant's personal information (if applicable)

If you're missing one of these pieces of information, you can also schedule an appointment with an associate at your local financial center for a day and time that works best for you.

You'll need the same information that's needed when opening an individual account, but you'll need it for both applicants. For details, please see the preceding question and answer. Please note that each co-applicant has to sign the signature form.

To make your initial deposit, you can transfer money from your account at another bank. If you are already a Bank of America customer, you can transfer money from your existing account. You can also use a debit card, check or money order for your initial deposit.

The transfer will not take place until your account is approved. Please ensure that you have sufficient funds available to be transferred.

When applying for a new checking or savings account , you can deposit any amount ranging from the minimum opening deposit amount to a higher amount.

We use Secure Socket Layer (SSL) technology to ensure your online information is passed to us securely. This technology allows users to establish sessions with internet sites that are secure, meaning they have minimal risk of external violation. Once inside the Online Banking site, you are secure through our use of SSL technology.

Your application will be processed in 1 to 2 business days. We'll send you either an email or letter letting you know if you are approved for your account. You will receive your account documents via U.S. Mail within 7-10 business days.

Processing times may be slower due to high volume of applications

An offer code is a series of numbers and letters that you may have received from Bank of America in conjunction with a promotion or offer. Your offer code is indicated on the communication material you may have received from us. Examples of communications are a brochure that you received in the mail or from a web page ad. You can provide this offer code with your application.

"Online access to my account" means that you can view your account through Online or Mobile Banking . Check account balances and transactions, transfer funds between accounts, and set up Alerts to remind yourself about important activity in your accounts. You can also use Bill Pay to pay all your bills in minutes from one simple site. Want us to walk you through enrolling? Show me how to enroll in Online Banking Show me how to enroll in Mobile Banking

As part of your online application, you will be asked to give consent to receive certain account opening documents and notices from us electronically. Other account opening documents will be sent through U.S. Mail within 7-10 days of account opening. If you do not wish to consent to receiving documents electronically, you may visit any Bank of America banking center to apply in person.

A signature form allows Bank of America to service your account. It is important to sign and mail your signature form to us as soon as possible (and have any co-applicants sign the signature form too) so that we can service your account, which includes verifying your identity and reporting tax information.

Yes, if you need more time, you can save what you've already entered for up to 30 days and complete the application later.

To save your application, you'll need to provide some personal information such as your date of birth and Social Security number so we can identify you when you return.

When you're ready to complete your application, either follow the link in the confirmation email or access your saved application now.

Yes. U.S. visa holders currently living in the U.S. may open an account in person at one of our financial centers. You must be able to provide both your permanent (foreign) and local address, as well as your ITIN (Individual Tax Identification Number).

What to bring to your appointment: 1. Proof of U.S. residency For example: U.S. government-issued photo ID, student/employer photo ID, current utility bill or rental agreement (documents must show your name and U.S. physical address).

2. One primary photo ID For example: Foreign passport (with or without passport visa), U.S. Non-Immigrant visa and Border Crossing Card-DSP-150, Canadian Citizenship card (with photo), Mexican, Guatemalan, Dominican or Colombian Consular ID (with photo).

3. One secondary ID For example: Foreign or U.S. driver's license (with photo), student/employer ID (with photo), major debit or credit card with Visa® or Mastercard® logo, major retail credit card from a nationally well-known company, U.S. Department of State Diplomat ID.

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COMMENTS

  1. Joint Account Application/Letter With Sample 3+

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  2. Request Letter to Bank for Opening a Bank Account

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  21. PDF JOINT ACCOUNT OPENING FORM

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