How to Add a Person to a Bank Account

How to Add a Person to a Bank Account
Visit the bank's customer service area to add a joint user to your account.

Step 1

Call your local branch or navigate to your bank's website for the complete steps required to give a user joint access to your account. Ask the customer service representative what information is necessary to add someone to your bank account. Banks generally allow you to establish a joint account in person, as long as you both have the proper identification and fill out the required forms. Some banks may allow you to add a joint holder to your account online as long as the person in question fills out the bank's forms and signature card and returns them promptly to the bank.

Step 2

Visit your local branch. The person you're adding to your account should be with you to present a Social Security card and a valid government-issued photo identification card. If the two of you visit the bank with the correct documentation, the change to your account is immediate after completion of the bank's required forms and as soon as the representative updates the account in the bank's system.

Step 3

Add a user online if you just want to give the person read-only access to your account. Log onto your bank's website and follow its steps for creating a read-only profile for the user.

Step 4

Review your bank's policy for adding a joint account holder online. Look for the appropriate link to establish a joint account. Banks generally require that you provide the person's name, address, date of birth and Social Security number. Some banks may allow you to mail in your authorization for a joint account along with copies of the person's identifying information and the bank's completed signature card.

Step 5

Select the type of joint account you want. One of the most common joint accounts is joint tenancy with a right of survivorship. Married couples or an aging parent and child generally prefer this option because the assets pass to the survivor upon death. But you may instead choose a tenancy-in-common account. With this type of account, if a party to the account passes away, her assets become the property of the executor or person designated in the will. Business partners opening an account together often choose this type of account.