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Manage joint account holders 

Any UNFCU member can add one person to a savings, checking, or share certificate account, making it a joint account. Each account holder then has equal rights and access to that account. They also share equal responsibility for any fees or charges incurred. 

Open a new joint account 

  1. Sign in to Digital Banking. 

    If you are a current UNFCU member and you are unable to access Digital Banking, please contact us for an Account Application form. Send us the completed form along with the following documentation:

    • Copy of a valid and signed government-issued identification for the new joint account holder.
    • Completed IRS (Internal Revenue Service) tax form(s) for the new joint account holder. US taxpayers will need to complete Form W-9. Non-US taxpayers should complete Form W-8BEN. Include a foreign TIN in the W-8BEN form or complete the Explanation of Missing Foreign TIN form. Please enclose a completed Explanation of Foreign Status form if you have any US affiliations. Learn more about the IRS tax reporting rules. 
  2. Open a new deposit account.   

    View the steps to open a savings, checking, or share certificate account.

  3. Under Account Services, select Online Forms. 

  4. Select Manage Joint Account Holders. 

Add a joint account holder on an existing account 

  1. Sign in to Digital Banking. 

    If you are a current UNFCU member and you are unable to access Digital Banking, please contact us for a Membership Application Update form. Send us the completed form along with the following documentation:

    • Copy of a valid and signed government-issued identification for the new joint account holder.
    • Completed IRS (Internal Revenue Service) tax form(s) for the new joint account holder. US taxpayers will need to complete Form W-9. Non-US taxpayers should complete Form W-8BEN. Include a foreign TIN in the W-8BEN form or complete the Explanation of Missing Foreign TIN form. Please enclose a completed Explanation of Foreign Status form if you have any US affiliations. Learn more about the IRS tax reporting rules. 
  2. Under Account Services, select Online Forms. 

  3. Select Manage Joint Account Holders. 

Remove yourself from a joint account 

  1. Sign in to Digital Banking. 

  2. Under Account Services, select Online Forms. 

  3. Select Manage Joint Account Holders. 

  4. Choose the account(s) that you would like to be removed from. 

Remove a joint account holder

Primary account holders may not remove a joint account holder from a joint deposit account. Instead, please ask your joint account holder to remove themselves through Digital Banking using the steps listed under Remove yourself from a joint account

Once your joint account holder requests to be removed, you will both receive a notification confirming that they have been removed.

If your joint account holder is not able to access Digital Banking, they can contact us for further assistance.  

If your joint account holder cannot or will not request to be removed, you may close the account. Once the account has been closed, a confirmation email will be sent to you.

Joint deposit account FAQs

Any UNFCU member can add one person to a savings, checking, or share certificate account, making it a joint account. Each account holder then has equal rights and access to that account. They also share equal responsibility for any fees or charges incurred. 
Each joint account holder can: 

  • Make payments, transfers, and other withdrawals from the joint account.
  • Make deposits into the joint account.
  • Receive their own debit card and set their own PIN.
  • Close the account. 

Joint account holders do not have any access to the other account holder’s individual accounts.

To be a joint account holder of a UNFCU account, you must be at least 18 years old. Organizations are not eligible to become joint account holders. Additional account restrictions may apply. 

There are many benefits to having a joint bank account with someone you know and trust. Many married members choose to share ownership of an account with their spouse. If you share responsibility for a household budget, a joint account can be helpful for tracking expenses. 

  • Both owners can save and spend together.
    • This makes it very easy to combine money into one account to help reach a savings goal or share expenses.
  • The money you each deposit into the account is insured by the NCUA.
  • It is easy to track your joint monthly spending.
    • By seeing each other’s account activity, you can help keep each other’s budgeting goals on track.
  • In the event of an emergency, you both have access.
    • If one account owner cannot be reached, the other owner still has access to the account. 

Yes, UNFCU members can add a non-member as a joint owner of their deposit accounts as long as the individual is at least 18 years old. Additional account restrictions may apply. The joint owner does not need to be a UNFCU member. 

Non-members will receive a UNFCU member number only for the purpose of enrolling in Digital Banking. They cannot: 

  • Apply for a loan with UNFCU 
  • Open individual deposit accounts with UNFCU 
  • Receive monthly statements (but can view the account activity in Digital Banking) 
  • Vote in the UNFCU Board of Directors election 

To apply for membership, non-UNFCU members can check to see if they are eligible

The surviving owner automatically becomes the sole account holder and retains complete control over the money in the account. No beneficiary forms need to be submitted for this account. 

If there are beneficiaries on that account, they will have no claim to the account unless both joint account holders pass. 

If the surviving owner is not a UNFCU member, they will need to withdraw the money because the account will be closed. If the surviving owner is a spouse, that person is eligible to open a UNFCU membership. 

If a joint account holder passes away or becomes incapacitated, please contact us so that we can assist you. 

All UNFCU joint account holders, whether a UNFCU member or not, should let us know if they are a US taxpayer. This will help ensure that we report the correct information to the US Internal Revenue Service (IRS). As a US financial institution, UNFCU must comply with the reporting rules of the IRS. 

  • US taxpayers need to complete Form W-9
  • Individuals who are not US taxpayers should tell us their status by completing Form W-8BEN at least every three years. This way, we will not withhold any interest earned on the account. 

Other supplemental tax forms may be required as well. Learn more about the IRS tax reporting rules

Yes, either joint account holder can close a joint account. In cases of divorce, however, certain restrictions apply. Please contact us for more details.

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