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Knowledge Base Article

Minimum age for a joint owner

At what age can a minor become a joint owner on a savings or checking account?

There is no minimum age for a joint owner. However, to be added to an account, the joint applicant must have a Social Security Number and a state issued ID or driver’s license. If the joint applicant is a minor and does not own a state issued ID or driver’s license, he or she may not be able to conduct business on the account. The primary account holder should be aware that the joint owner will have full access to the share (s) on which they are a joint owner.