Choose the person or people you want to share the account with
Select a bank or credit union that offers joint accounts
Compare account fees, minimum balances, and features
Gather required identification and personal information for all applicants
Visit a branch or apply online if joint accounts are supported
Complete the joint account application together
Review and agree on account terms, ownership rights, and withdrawal rules
Submit the application and required documents
Deposit the initial opening amount if required
Set up online banking, debit cards, and alerts
Decide how you will manage deposits, withdrawals, and bill payments