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Joint Accounts

Monday, September 12, 2016 by Indian Real Estate News


Mode of operation of joint accounts


1 A joint account is a bank account held in the name of two or more persons opened for reasons like convenience or joint control of funds.

2 Jointly operated: In this arrangement, the account needs to be operated by all account holders together.

3 Operated by either holder or survivor(s): Any one of the account holders can sign and operate the account in this mode.

4 Operated by former or survivor(s): The first named account holder will operate the account and on his death, the survivor(s) will operate the account.

5 Operated by latter or survivor: The second named account holder will operate the account and on his death, the survivor or former account holder will operate it.

6 Others: The account will be operated as specifically arranged with the bank-operated jointly by any two account holders, or jointly above a certain amount, etc.





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