How to open a joint account How to open a joint bank account?

Service Introduction A joint account refers to a personal current settlement account or a lump sum time savings account in domestic and foreign currencies that is jointly opened by two or more (less than five) individual customers, with no restriction on deposits, and withdrawals must be handled in accordance with the agreed method. Service features 1. Co-management: Through the joint opening of accounts, we can meet the needs of customers for joint management of funds.

2. Joint use: Realize the reasonable disposal of account funds by agreeing on the withdrawal method. 3. Common accumulation:

After agreeing on the sharing method of account funds, the sharing of account funds is realized. Who should apply for a joint account, such as husband and wife, siblings and small business owners in the form of a partnership. Operation Guide 1. Account Opening (1) Joint account applicants are required to provide valid identity documents of all account holders, and joint account applicants who have opened Elite Finance accounts in the region should go through the application procedures for opening joint accounts at the counter of business outlets.

2) Applicants for joint accounts need to jointly fill in the "Application Form for Individual Joint Account", agree on the relevant business methods, and sign the "Individual Joint Account Management Agreement". 2. Change: The owner of the joint account must go to the joint account opening outlet with his or her valid identity document, bank card and card password.

3. Inquiry: Customers can inquire about their accounts through ICBC business outlets, self-service terminals, ** banking, online banking, mobile banking and other channels. 4. Deposit:

The joint account owner shall apply for the deposit separately according to the normal deposit procedure with the joint account card and password. 5. Withdrawal: When handling the withdrawal of joint account, it is divided into joint handling method and authorized handling method.

1) Joint handling method All joint account owners can withdraw funds with the joint account card and password, and can only be handled locally. (2) Authorization Handling Method The authorized person of the joint account can handle the withdrawal business separately within the agreed maximum cumulative withdrawal limit with the joint account card and password, which can be handled in this and other places. 6. Cancellation of account:

When a joint account is closed, all joint account owners must jointly handle it at any outlet in the area where the joint account is opened with the joint account operation card and card password. The agreement will be automatically terminated when the joint account is closed. Tips: 1. A joint account is opened by two or more (less than five) individual customers.

2. The deposit and withdrawal of the joint account shall be handled in accordance with the agreed method. 3. The joint account is an individual current settlement account or a lump sum fixed savings deposit account.

Joint accounts can be opened.

When opening a joint account, all joint account holders' identification documents must be presented and signed and stamped by all holders. A traditional personal account can be opened with only the account holder's own identification document.

How to use: Individual joint accounts are subject to the terms of the signature when using them. The so-called signature clause refers to the clause on the joint account holder's signature and seal authority to jointly sign and confirm when opening a joint account, which is actually the rules for the joint account holder to agree on the use and control of the joint account holder.

Banks, as financial intermediaries, manage joint accounts in strict accordance with the authority of signature and seal determined by the signature clause.

The method of handling a joint account is as follows:1. To handle a joint account of a bank, it is necessary to clarify the proportion of the account share of each party.

2. Promise each other to withdraw together or authorize withdrawal.

3. After establishing the above contents, bring your personal ID card and apply for a savings card.

4. Provide the ID card of the co-owner of the account, open a joint account at the counter, and take effect after being signed and stamped by all holders.

Meaning of Joint AccountA joint account is an account opened by two or more than five people. Pooled AccountsThere are only three banks in China that can open pooled accounts, namely Bank of China, Industrial and Commercial Bank of China and China Construction Bank. However, joint accounts can only be set up with the permission of all holders.

Joint accounts are governed by signature clauses, and as financial intermediaries, banks are required to strictly enforce the terms of signature for the management of the accounts. The steps to operate a joint account are also very simple.

When opening a joint account, you need to provide the valid identity documents of all account holders, and at the same time meet the requirements of other aspects of the bank, different banks have different regulations, you can consult the opening bank for details. A joint account is generally an account opened by two or more people who jointly manage funds, and all of them must be present at the time of application to open an account.

Here are 3 points for joint accounts.

1. Co-management: Through the joint opening of accounts, the needs of customers for joint management of funds can be met.

2. Joint use: Through the agreed withdrawal method, the reasonable allocation of account funds can be realized.

3. Joint accumulation: After agreeing on the common method of account funds, the sharing of account funds is realized. For example, couples, siblings, and small business owners in the form of "partnerships" are all suitable for applying for joint accounts.

It is worth noting that after the opening of a joint account, the deposit and withdrawal of the account must be handled in accordance with the agreed method, and only some banks in China can apply for a joint account, such as Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Bohai Bank, etc., which can be opened according to the actual situation.

For ordinary users, it is generally to open a personal account, a joint account is suitable for husband and wife, and the bank card obtained by opening a personal account is a debit card, of which the debit card is divided into one, two and three types of accounts, one of which is an all-round card, which can handle deposits, withdrawals, investment and financial management and other businesses.

The process of opening a joint account is as follows:1Prepare account opening information:

Prepare the identification documents of both parties to the joint account, such as ID card, household registration booklet, etc.; 2.Select a closed bank: select a bank and open an account at the designated business outlet; 3.

The two parties sign an agreement on a joint account to determine the authority to use the account; 5.Account opening: submit account opening ** and information, pay account opening fees, and complete account opening procedures; 6.

Collect the bank card: Collect the bank card and set the password of the account to complete the opening of the joint account.