Finding a joint bank account can be overwhelming and may require some research. When picking a joint bank account, there are several factors to consider in order to find the best option for you and your partner:
Fees: Look for a bank that has low or no fees for opening and maintaining a joint account. Some banks may charge fees for things like monthly maintenance, ATM withdrawals, and overdrafts, so make sure to read the fine print and understand the fees that may be associated with the account.
Find out what the interest rate is on the account, as some banks may offer higher interest rates on joint accounts. Also, some banks offer interest only on savings accounts and not checking accounts, so make sure you are clear on what you’re getting!
Check to see how many ATMs the bank has and how widely they're distributed. This is important especially if you both use the account and you want to access your money wherever you are.
Find out what type of online and mobile banking services the bank offers. Some banks may have more advanced features than others, such as mobile check deposit or the ability to manage your account from a mobile app.
Make sure that the bank has good customer service, so that you can easily get in touch with them if you have any questions or issues with your account.
Do research on the bank's reputation, read online reviews from other customers, and ask for recommendations from friends and family.
Check if the bank offers other services such as credit card, loans, and mortgage services. This can be especially important for growing families.
Ultimately, it's important to shop around and compare different options before making a decision.
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1Zeta is a financial technology company, not a bank. Banking services provided by Piermont Bank; Member FDIC. All deposit accounts of the same ownership and/or vesting held at the issuing bank are combined and insured under an FDIC Certificate of $250,000 per depositor. The Zeta Mastercard® Debit Card is issued by Piermont Bank, Member FDIC, pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted.
2Zeta Annual Percentage Yield (APY) is effective as of 05/01/2023, for customers who qualify for VIP status. Minimum amount to open an account is $0.00. Minimum balance to earn the APY is $0.01. Interest rates are as follows: 2.43% APY applies to the entire balance for customers who qualify for VIP status. Interest rates may change after the account is opened. Fees may reduce earnings.