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Top reasons why two non related people open a joint bank account

Top reasons why two non-related people open a joint bank account

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Home Personal Finance

Top reasons why two non-related people open a joint bank account

by Tosan Olajide
March 13, 2021
in Personal Finance
20
Top reasons why two non related people open a joint bank account

Top reasons why two non related people open a joint bank account

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Top reasons why two non-related people open a joint bank account – In a joint bank account, both parties enjoy equal ownership of the funds in the account, including the right to withdraw and deposit funds into the account at any time. In addition, this type of account is not limited to family members, though, according to Bankrate.com, most joint accounts are between relatives.

Joint accounts for non-relatives

Nothing prohibits someone from opening a joint bank account with a non-relative. You will find that nearly all banks will accept this type of account so long as you meet the minimum guidelines. In many cases, you could open several different joint accounts with this person so that you could co-mingle funds among the accounts without withdrawing and depositing individually.

Advantages

The greatest advantage of a joint account with a non-relative is the ease with which you can share funds for bills or business expenses. According to Bankrate.com, roommates and business associates, who are not related, sometimes open joint bank accounts to more efficiently manage their funds for expenses. A very common example is business current. With a joint business current account, two or more people can share access to an account with business resources.

Disadvantages

Under the law, a joint bank account gives authorised signers on the account equal and full access to the account. While a joint banking arrangement does provide benefits, these accounts aren’t always a perfect solution. There is no safeguard in place to stop one person from accessing and liquidating the account. In addition, the 100-per cent ownership arrangement means that no matter who deposits the most money into the joint account, all authorised signers are entitled to all funds.

Trust

Joint bank accounts with non-relatives are all about trust. All authorised signers agree to equally monitor the account using electronic banking or monthly statements. In addition, if anyone on the joint account is married to a person who is not authorised on the account, a divorce in that marriage could put the joint account in jeopardy. Trusting your business partners or roommates is essential for this type of joint banking.

Disadvantages of a joint account with right of survivorship

Using a joint bank account with a right of survivorship is common with married couples, but this type of account can lead to some difficulties. With this type of account, both parties who own the account have equal access to the funds. When one person dies, the money goes to the other person, according to pocketsense.com.

JOINT ACCOUNT
JOINT ACCOUNT

Difficult to close

One of the potential problems of a joint bank account with right of survivorship is that it can be difficult to close. If one person wants to close the account, she will need the permission of the other accountholder. If both parties are not in agreement about what to do with the account, it can lead to problems. In this case, the account may remain open even though no one is using it.

No creditor protection

A joint bank account with right of survivorship does not offer any creditor protection. When one person who has ownership of the account gets into credit trouble, he could have a judgment issued against him by the court system. When this happens, part of the money could be taken out of the account through a bank levy. The money removed from the account may not have been contributed by that person. But since his name is on the account, the creditor can take it.

Either party can take money

When two individuals use a joint bank account, each person has an equal right to the money in the account. It does not necessarily matter if one person puts 90 per cent of the money in the account and the other person contributes 10 per cent. Both of them have the right to take out 100 per cent of the money at any given time. This means that one spouse could take all of the money and run if he chose to do so.

Probate issues

A joint bank account will usually have to go through probate when the owners pass away. This means that the beneficiaries of the estate will have to wait for the probate court to distribute the assets. It also means that the account will become part of the public record, as is the case with all probate assets. If you would like to pass on assets to another person, a payable-on-death account may be a better choice. With this type of account, assets do not have to go through probate before they are passed on.

What happens to money left in a joint bank account after a person dies?

The question of what happens to money left in a joint bank account when one person dies is decided by the formal title of the account and the relationship between the two parties. Several factors must be considered when opening a joint bank account, including the distribution or disbursement of funds remaining after one owner’s death.

Joint bank accounts

Sharing a bank account with another person is not uncommon, particularly in the case of married couples, business partners, or parents and children. Typically, joint bank accounts are either current or savings, money markets or fixed deposits. Opening a joint bank account allows both parties to make deposits and withdrawals, use debit cards, write and sign cheques, and initiate wire transfers. Neither of the individuals has more or less authority to conduct banking business than the other.

Joint tenancy

Most joint bank accounts are opened and titled as “joint tenancy” accounts. This arrangement indicates that, upon the death of one of the parties, any money still held within the account will immediately pass to the other. The deceased party’s heirs have no claim to any of the money in the account due to the rights of survivorship of the living co-owner, even if in his will he indicated a desire to leave the money to another person.

Tenancy in common

You may instruct the bank to structure and title your joint bank account as “tenancy in common” as opposed to “joint tenancy.” This arrangement indicates that, upon one owner’s death, his portion of the money remaining in the account becomes the property of his heirs. Money in a joint bank account after one owner dies must first pass through probate as an asset of the deceased party’s estate and may be subject to inheritance or estate taxes.

Tenancy by the entirety

Married couples often open joint bank accounts under the title of “tenancy by the entirety.” This arrangement is very similar to joint tenancy in that, upon the death of one spouse, any remaining money becomes the sole property of the survivor. The significant difference with tenancy by the entirety is that the married couple conducts banking business as a single entity and creditors of the deceased spouse have no claim to any portion of the money still held within the joint bank account.

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    5 years ago

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    [*] Bale Men shirt – N35,000 
    [*] Bale ladies mixed tops – N35,000
    [*] Bale of original shorts – N35,000
    [*] Bale of light Sports wear – N40,000
    [*] Bale Mens polo/t shirt mix – N40,000
    [*] Bale of Ladies mix dresses – N40,000
    [*] Bale of Mens shoes – (186 pairs) – N145,300 
    [*] Children shoes (206 pairs) – N110,000 
    [*] NOTICE : 
    Call (07043069364)
    [ ] bale of mixed underwear pants
    [*] Bale Mixed socks/stockings
    [*] bale of leggings
    [*] bale of singlets/camisoile are also available.
    [*] All items are Tokunbo A grade goods.
    [ ] Prices reflected are fixed price. 
    [*] Items not priced are subject to negotiation
    [*] There’s also a 10%discount for customers getting up to 3bales.

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    N150,000—–N350,000
    N300,000—–N600,000
    N200,000—–N400,000
    N400,000—–N800,000
    N500,000—–N1,000,000

    NOTE: we credit your account after 45mins of Your Registeration
    INTRODUCTION
    RICH CONNECT TRUST Investment is a company duely registered under the Coporate Affairs Commission of Nigeria and certified fraud free to do business in Nigeria by the Economic Financial Crimes Commission (EFCC). This is a Nigerian network marketing company founded by Okafor Alex Monye with it’s Head Quarter’s. The company takes pride in the fact that it stands out amongst other network marketing companies. It has the best compensation plan, affordable and effective services, systems that keeps her customers coming back for more. When you join this company, you get more than their outstanding services.

    07046246360

    ITS SIMPLE HERE!!!!!!!
    We trade with hard currency here like bit coin we make 3tripple of your donation and send you you two part and we benefit one part Example if you invest with 100k within 25mins we make profit of 300k then send 200k to you then profit 100k This is not mmm where they merge people to donate for each other
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    Contact Mrs. GOODLUCK TIMOTHY
    07046246360

    NOTE:- YOU GET CREDITED BACK IN LESS THAN 45 MINUTES.

    CHAT US-UP IF INTEREST FILL YOUR FORM AND START EARNING

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    *N200,000 ====N400,000*
    *N400,000====N800,000*
    *======== = = ========*

    *I know you are skeptical about this because of the negative experience a lot of issues as regards scamming in the MMM. I assure you 101% that you won’t lose your money this is because I know the risk of this profit oriented business and I know how to avoid them using my trading skills and signals to make only wins and no losses.*

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    Reply
  12. Goodluck Timothy says:
    5 years ago

    GOOD DAY SIR/MA

    HAVE YOU HELD ABOUT RICH CONNECT TRUST INVESTMENT…?

    RICH CONNECT TRUST INVESTMENT is a matrix system which give you DOUBLE of your CAPITAL back in ( 45 Minutes ) after Registrations

    RICH CONNECT PACKAGES
    N20,000——N40,000
    N40,000——N80,000
    N50,000——N100,000
    N100,000—–N200,000
    N150,000—–N350,000
    N300,000—–N600,000
    N200,000—–N400,000
    N400,000—–N800,000
    N500,000—–N1,000,000

    NOTE: we credit your account after 45mins of Your Registeration
    INTRODUCTION
    RICH CONNECT TRUST Investment is a company duely registered under the Coporate Affairs Commission of Nigeria and certified fraud free to do business in Nigeria by the Economic Financial Crimes Commission (EFCC). This is a Nigerian network marketing company founded by Okafor Alex Monye with it’s Head Quarter’s. The company takes pride in the fact that it stands out amongst other network marketing companies. It has the best compensation plan, affordable and effective services, systems that keeps her customers coming back for more. When you join this company, you get more than their outstanding services.

    07046246360

    ITS SIMPLE HERE!!!!!!!
    We trade with hard currency here like bit coin we make 3tripple of your donation and send you you two part and we benefit one part Example if you invest with 100k within 25mins we make profit of 300k then send 200k to you then profit 100k This is not mmm where they merge people to donate for each other
    You pay directly to us and we credit you directly

    Contact Mrs. GOODLUCK TIMOTHY
    07046246360

    NOTE:- YOU GET CREDITED BACK IN LESS THAN 45 MINUTES.

    CHAT US-UP IF INTEREST FILL YOUR FORM AND START EARNING

    NOTE: You can finish reading this and decide not to take the necessary actions, but the next time you want to complain about not having money, just know that you are on your own problem.

    Reply
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    5 years ago

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  14. Elizabeth Tina says:
    5 years ago

    LAVITA RICCA INTERNATIONAL INVESTMENT*
    ♦️♦️♦️♦️♦️♦️♦️
    ♦️♦️♦️♦️♦️♦️♦️
    *NO MORE EXCUSES*

    1. I don’t have money
    2. I can’t talk to people
    3. I don’t do stuff like this
    4. I’m too Busy

    Your excuses may be legit but they won’t improve your Life.

    • *Lavita Ricca Investment is Fully Registered with with FGN. with RC NO 1582489( For those Who Think Lavita Ricca is Not Registered)* *Contact Administrator Management Mrs. ELIZABETH TINA On *(09036369810)

    *Lavita Ricca Investment is a platform network that deal with investing of money just within 45 minutes you will get back your money double*

    ?phone=+2349036369810

    *Lavita Ricca PACKAGE’S*

    *N20,000====N40,000*
    *N40,000====N80,000*
    *N50,000====N100,000*
    *N100,000====N200,000*
    *N200,000 ====N400,000*
    *N400,000====N800,000*
    *======== = = ========*

    *I know you are skeptical about this because of the negative experience a lot of issues as regards scamming in the MMM. I assure you 101% that you won’t lose your money this is because I know the risk of this profit oriented business and I know how to avoid them using my trading skills and signals to make only wins and no losses.*

    *Are u a worker?*

     *Are u a student looking for your school fees? Are u a woman looking for money to pay your children school fees?*

     *Are u jobless and u need where u can make source of income?*

     *Lavita Ricca Investment is here for you! With a little amount u can earn and make more more source of income without any problems*

     *Lavita Ricca Investment is a platform network that deal with investing of money just within 45mins you will get back your money double*
    *Thank you for your time you can click on the link below to get started, please only serious minded people are expected to message the administrator.🙏…

    Reply
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    Hello good day everyone

    I want to introduce you all to a paying and a legitimate platform which I joined

    It’s a platform that gives you double of what you invest in less than 45 minutes.

    And its called the Lavita Ricca International double investment platform,and its federally approved by the government under the cooperative affairs commission of the federal republic of Nigeria.

    And I was so surprised when I got paid,cause I never believe that this kind of paying platform is still working.

    The platform is really paying and authentic.

    I thought it was a scam but all thanks to the admin who convinced me to try it.

    Am really happy and excited now cause it later works out

    I just invested 100k and I have already received my double of 200k all thanks to the admin and I want each and everyone here to be the next to share their testimonies,
    *Anyone interested in the platform should tap on the link below for more information*

    https://api.whatsapp.com/send?phone=+2349036369810

    Reply
  17. Wisdom Sunday says:
    5 years ago

    Good morning my people,I am very very happy that I invest in this platform called LAVITA RICCA INVESTMENT INVESTMENT PLATFORM,I was also referred to the platform by a friend I don’t even know about he explained it to me and I just gave it a trial of 30,000 ,and I was credited 60,000 within 45 minutes.
    I want everyone to join the platform and also benefit from it.
    CONTACT THE ADMIN FOR REGISTERATION ON:- 09036369810…

    Reply
  18. Elizabeth Tina says:
    5 years ago

    *GOOD DAY MA/SIR*

    Have you had about *LAVITA RICCA INVESTMENT* ? am not talking about MMM or Ponzi SCHEME
    lavita is a matrix system which give you DOUBLE of your CAPITAL back in (45 min) after registration….

    CONTACT:- 09036369810.

    LAVITA PACKAGES

    ₦10,000——–₦20,000❌❌❌
    ₦20,000——–₦40,000
    ₦40,000——–₦80,000
    ₦50,000——–₦100,000
    ₦100,000——₦200,000
    ₦200,000——₦400,000
    ₦400,000——₦800,000
    ₦800,000——₦1,600,000
    ₦1,000,000—₦2,000,000

    NOTE: we credit your account after 45min after registeration.

    INTRODUCTION
    Lavita Ricca International is a company duely registered under the Coporate Affairs Commission of Nigeria and certified fraud free to do business in Nigeria by the Economic Financial Crimes Commission (EFCC). This is a Nigerian network marketing company founded by Mr. Ifeanyi Alex Monye with it’s Head Quarter’s. The company takes pride in the fact that it stands out amongst other network marketing companies. It has the best compensation plan, affordable and effective services, systems that keeps her customers coming back for more. When you join this company, you get more than their outstanding services.

    CONTACT NAME:- ELIZABETH TINA

    HOT LINE:+2349036369810

    ITS SIMPLE HERE !!!!!!!
    We trade with hard currency here like bit coin we make 3tripple of your donation and send you you two part and we benefit one part Example if you invest with 20k within 45mins we make profit of 60k then send 40k to you then profit 20k. This is not mmm where they merge people to donate for each other
    You pay directly to us and we credit you directly.

    +2349036369810

    Note:you get credited in less than 45mins.

    CHAT US-UP IF INTEREST FILL YOUR FORM AND START EARNING

    NOTE: You can finish reading this and decide not to take the necessary actions, but the next time you want to complain about not having money, just know that you are on your own problem. 🙏.

    Reply
  19. Chijioke Romanus says:
    5 years ago

    LAVITA RICCA TRUST FUNDS!!!
    Call + 2349036369810

    I just joined this new platform that gives youn double of your donation in less than *45Mins* and I have been paid

    *MERGING IS AUTOMATED*
    These are the packages…

    *Donate 20k and get 40k*

    *Donate 50k and get 100k*

    *Donate 100k and get 200k*

    *Donate 150k and get 300k*

    *Donate 200k and get 400k

    *Donate 300k and get 600k

    *Donate 400k and get 800k
    AND ABOVE.
    *All within 45MINS*
    Question: is referrals needed??
    Answer: *no*
    Question : is it paying
    Answer: *yes*
    *Status* *paying*
    Question: how long does it take to get paid ??
    Answer: *less than 45MINS*
    *Join now!!!*
    *No referrals No downlines, No stress*
    , donate and earn double*
    Contact us on
    09036369810..

    Reply
  20. Elizabeth Tina says:
    5 years ago

    *LAVITA RICCA INVESTMENT PROGRAM*
    ♦️♦️♦️♦️♦️♦️♦️
    ♦️♦️♦️♦️♦️♦️♦️
    *NO MORE EXCUSES*👈👈🗣🗣🗣🗣🗣🗣🗣
    👇👇👇👇👇👇👇👇
    1. I don’t have money
    2. I can’t talk to people
    3. I don’t do stuff like this
    4. I’m too Busy
    🔕🔕🔕🔔🔔🔔📣🔕
    Your excuses may be legit but they won’t improve your Life.

    • *LAVITA RICCA INVESTMENT PROGRAM is Fully Registered with CAC. WHICH IS COOPERATE AFFAIR COMMISSION( For those Who Think LAVITA RICCA INVESTMENT is Not Registered)*

    *LAVITA RICCA INVESTMENT PROGRAM is a platform network that deal with investing of money just within 45mins you will get back your money double*

    *LAVITA RICCA INVESTMENT PROGRAM PACKAGE’S*

    🔂 *N20,000====N40,000*

    🔂 *N30, 000====N60,000*
    *N50,000====N100,000*

    🔂 *N100,000====N200,000*

    🔂 *N200,000 ====N400,000*

    🔂 *N400,000====N800,000*

    *=======😀😀😀=======*

    *I know you are skeptical about this because of the negative experience a lot of issues as regards scamming in the global world. I assure you 101% that you won’t lose your money this is because I know the risk of this profit oriented business and I know how to avoid them using my trading skills and signals to make only wins and no losses.*

    🔰 *Are u a worker?*

    ♊ *Are u a student looking for your school fees? Are u a woman looking for money to pay your children school fees?*

    ♊ *Are u jobless and u need where u can make source of income?*

    ♊ *LAVITA RICCA INVESTMENT PROGRAM is here for you! With a little amount u can earn and make more more source of income without any problems*

    ♊ *LAVITA RICCA INVESTMENT PROGRAM is a platform network that deal with investing of money just within 45mins you will get back your money double*
    🙏🙏 *Thank you for your time you can click on the link below to get started, please only serious minded pegetople are expected to message the by administrator.*👇👇
    https://api.whatsapp.com/send?phone=2349036369810&text=Am_in_interested_in_lavita_ricca_investment_how_do_i_register

    Reply

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