Anonymous
6/18/2025, 1:10:03 AM No.33235837
Got a banking/relationship question
My fiance and I want to have a joint checking account to make daily expenses easier to manage. We've all heard horror stories about bad breakups/divorces, so today I asked one of the bankers at Chase if there was a mechanism that would require both account owners to need to agree for a large withdrawal. That way, one person couldn't clean out the account by themselves, or one person couldn't get hacked and cause all the money to get lost.
The banker said that's not possible, any one person can just empty the account or close the account without the consent of the other. I think she could tell that wasn't the answer I was looking for, so she threw in 'but one person can't just remove the other person from the account without their consent'. So I asked her what good is that if one person can just yoink all the money and *close* the account, it's the same thing as removing the other person.... No answer on that
Ultimately the only solution she could give was 'just don't keep more than $1000 in the joint account then' and then tried to pitch me on multiple investment tools
I've worked for multiple charitable organizations in the past, and have seen first hand that there are kinds of bank accounts that require authorization from multiple people on any checks or transactions, but this banker said there is no such thing
Surely there must be some kind of account with a safeguard against one person fucking the other?
inb4 'if you're questioning your partner's intentions, find a different partner'
be real dude, nobody who's ever stolen all the joint funds ever advertised at the beginning of the relationship that they would end up doing that
My fiance and I want to have a joint checking account to make daily expenses easier to manage. We've all heard horror stories about bad breakups/divorces, so today I asked one of the bankers at Chase if there was a mechanism that would require both account owners to need to agree for a large withdrawal. That way, one person couldn't clean out the account by themselves, or one person couldn't get hacked and cause all the money to get lost.
The banker said that's not possible, any one person can just empty the account or close the account without the consent of the other. I think she could tell that wasn't the answer I was looking for, so she threw in 'but one person can't just remove the other person from the account without their consent'. So I asked her what good is that if one person can just yoink all the money and *close* the account, it's the same thing as removing the other person.... No answer on that
Ultimately the only solution she could give was 'just don't keep more than $1000 in the joint account then' and then tried to pitch me on multiple investment tools
I've worked for multiple charitable organizations in the past, and have seen first hand that there are kinds of bank accounts that require authorization from multiple people on any checks or transactions, but this banker said there is no such thing
Surely there must be some kind of account with a safeguard against one person fucking the other?
inb4 'if you're questioning your partner's intentions, find a different partner'
be real dude, nobody who's ever stolen all the joint funds ever advertised at the beginning of the relationship that they would end up doing that
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