Yes, you can open a joint account online or by visiting a branch.
A joint account is held in the names of more than one person. It’s important to know that if you open a joint account, all joint holders will be liable for any money owing on the account. This means that we can request payment from both or either of person for any outstanding funds.
When setting up the account, we’ll ask how you’d like to manage withdrawals. You can choose from the following options:
·   'All to sign' basis - All joint holders must sign to authorise a transaction (unavailable on the Everyday Living Account and Dream Fund) or,
·   'One to sign' basis – Only one joint holder needs to sign to authorise a transaction. In choosing this option, you can also have card access to this account.
Please keep in mind that if the account requires all joint holders to authorise changes, there may be restrictions on Internet Banking access. You can always request to change these arrangements by contacting us.
In the case of ‘all to sign’, any action on the account requires authorisation from all joint holders, including account closure. In the case of ‘one to sign’, one joint holder can authorise actions or close the account.
If one joint holder passes away, the other joint holders will automatically take the deceased joint holder's interest in the account (this may differ for business accounts).
Make sure to read the terms and conditions when opening a joint account, as they explain the important legal consequences of joint account ownership.