How to add a person to a bank account

Written by christopher carter
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Adding a person to your bank account is easy with the proper identification. The process varies depending on your financial institution, but can be accomplished within a matter of minutes. Banks like Bank of America and US Bank even allow you to add someone to your account online, saving you a trip to your local branch. With this method, it may take one or two business days before all the necessary information can be verified to finalise your joint account.

Skill level:


  1. 1

    Verify your bank's policy. Call your local branch or visit your bank's website. Most major banks have a toll-free number you can call to speak with a bank representative. Ask a customer service representative what information is necessary to add someone to your bank account. Most banks will allow you to establish a joint account in person, online or over the phone.

  2. 2

    Visit your local branch. The person you're adding to your account should be with you to present his social security card and a photo identification. The photo identification may be either a driver's license or state identification. You may expedite the process of adding someone to your account by undergoing the steps in person.

  3. 3

    Apply online. Log onto your bank's website and look for the appropriate link to establish a joint account. You'll be required to indicate the person's social security number, name, address and date of birth. It's important to note that this merely initiates the process of adding someone else to your account. You may still be required to visit a branch or mail in your authorisation for a joint account along with copies of the person's identifying information.

  4. 4

    Select the type of joint account you want. One of the most common joint accounts is joint tenancy with a right of survivorship. This option is popular with married couples because the assets pass to the surviving spouse upon death. However, you may instead choose a tenancy in common account. With this type of account, if a party passes away, her assets are passed to the person designated in her will. This type of account is popular with business partners opening an account together.

Tips and warnings

  • Adding someone to your bank account is a big step. Establishing a joint account is usually reserved for married couples to help budget household finances. Adding another person to your bank account gives him full access to any funds in your account. For that reason, the person you select should be trustworthy, honest and dependable.

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