Here are some of the best joint bank accounts you can enjoy if you are a US citizen. Banks do not tend to promote their joint accounts very much because there is more money to be made from people having single accounts. However, these banks, companies and financial institutions offer joint checking accounts, but you may have to do a little digging around on their websites to find their offers.

Bank Of Internet USA – Platinum Checking Account

The bank of Internet USA serves all of its customers online. You will not find a local branch with this company. You can administer your account online, on the phone, even via the Internet. You need a minimum balance of $500 to open the joint account, and you need to maintain at least a $5000 balance if you want to avoid their $7.50 monthly fee. You will have to open their platinum checking account if you want a joint account.

You get overdraft protection for your account. You can link your account to another source of funds to ensure you cannot overdraw on your account. There is a reasonable $1.00 fee for every time you use overdraft protection. You get a free order of checks, and you get ATM fee refunds for the use of any ATM up to $8.00 each month.

Features & Benefits

  • Joint Accounts Available – Share this account with another person.
  • Regular Checks – You may write regular checks on paper.
  • Online Banking – Manage your account via the internet.
  • Online Banking – Go paperless.
  • Send Deposits By Mail – Mail your checks if you wish.
  • No Hard Inquiry – Applying will not hurt your credit rating.
  • Debit/ATM Card – Get a debit/ATM card with your account.
  • Online Bill Pay – Pay your bills over the internet with this account.
  • ACH deposits and withdrawals may be initiated by another bank.
  • Overdraft And Credit – Pass a credit check and get an overdraft or credit.

Clear Sky Checking Accounts – By Chesapeake Bank

Their website is pretty poorly laid out to the point where you will find information here quicker than you will if you go hunting around their website. Check out their FAQ sections for real answers to your questions about their accounts. If you want a joint checking account with Clear Sky Checking, the primary applicant must be 18 years or older and both applicants must be at least 14 years of age. This rule was built so that parents could set up accounts with their kids, but their joint accounts are also for adults too. The account has no maintenance fees and you only need a deposit of $1 to open it.

There is a limit on ACH withdrawals of $10,000/day, and the maximum number linked accounts are three for bank-to-bank transfers. If you want your statements by the post, it will cost $5.00/month. There is a $10 charge per month if your account has been inactive for 365 days (a truly ridiculous and heartless policy). In addition to high overdraft charges they have installed, they will charge $1.98 per day while your account overdrawn. They give ATM fee refunds for up to $20.00 each month. ACH deposits are limited to $50,000/day.

Features & Benefits

  • Online ACHs – You may transfer money online.
  • ACH deposits and withdrawals may be initiated by another bank.
  • No Hard Inquiry – Applying will not hurt your credit rating.
  • Send Deposits By Mail – Mail your checks if you wish.
  • Joint Accounts Available – Share this account with another person.
  • Debit/ATM Card – Get a debit/ATM card with your account.
  • Online Banking – Manage your account via the internet.
  • Online Statements – Get your statements off the internet.
  • Online Bill Pay – Pay your bills over the internet with this account.

Century Bank Direct – Joint Accounts

Both parties must be over the age of 18, both must have a US social security no or personal tax identification number and both must have a US address. Their joint accounts are only for personal use. You need to enter a deposit of $100 to open your account, after which there are no monthly fees. They insure your money up to a quarter of a million per depositor, so you get a little more protection as a couple than you do as individuals.

You have to pay a $3.95 fee each time you use overdraft protection. Overdrafts and credit are possible after your account is opened. You get a free order of 50 checks when you open your account, and you get ATM refunds of up to five transactions per month.

Features & Benefits

  • Online Banking – Go paperless.
  • Overdraft Protection For Your Account – Link to another for extra protection.
  • Joint Accounts Available – Share this account with another person.
  • No Hard Inquiry – Applying will not hurt your credit rating.
  • Online Banking – Manage your account via the internet.
  • Regular Checks – You may write regular checks on paper.
  • Debit/ATM Card – Get a debit/ATM card with your account.
  • Online Bill Pay – Pay your bills over the internet with this account.
  • Send Deposits By Mail – Mail your checks if you wish.
  • ACH deposits and withdrawals may be initiated by another bank.

Ally Bank Checking – Merge Your Accounts

They allow you to open a joint account with them, or if you and your partner already have accounts with them, then they allow you to merge your accounts. There is no minimum amount to open your account, and there are no maintenance fees. You can make deposits and withdrawals that are initiated by other banks. They also pay interest on your balances with their better rates occurring if you maintain a balance of over $15,000.

Features & Benefits

  • Regular Checks – You may write regular checks on paper.
  • Online Banking – Go paperless.
  • Debit/ATM Card – Get a debit/ATM card with your account.
  • Send Deposits By Mail – Mail your checks if you wish.
  • Joint Accounts – You can apply with another adult or a younger person.
  • Online Banking – Manage your account via the internet.
  • ATM Fee Refunds – Use ATMs and have your fees reimbursed each month.
  • Online ACHs – You may transfer money online.
  • Online Bill Pay – Pay your bills over the internet with this account.

EverBank – FreeNet Checking

A fun fact about Ever Bank is that they have the worst online reputation in technical terms by name only, not because they are a bad bank, but because when people write about other banks and write “worst ever bank” or things such as “We’re not aware that it was ever bank policy,” then their name is flagged on the search engines. To open a joint account with them, you are going to have to pay a $1500 minimum deposit, but after that, there are no maintenance fees and no minimum balances to maintain.

You will have to pay an $8.95 (monthly) for their Online Billpay feature if your account balance falls below $5,000. You only get your ATM reimbursements if your balance is above $5,000. They offer overdraft protection for your account where you link your account to another source of funds to ensure you cannot overdraw on your account. ATM fee refunds are available for up to $6.00 each month. Get your statements via the mail if you are happy to pay $3.00/month in fees.

Features & Benefits

  • ACH deposits and withdrawals may be initiated by another bank.
  • Overdraft And Credit – Pass a credit check and get an overdraft or credit.
  • Regular Checks – You may write regular checks on paper.
  • Online Banking – Manage your account via the internet.
  • Debit/ATM Card – Get a debit/ATM card with your account.
  • Online Bill Pay – Pay your bills over the internet with this account.
  • Online ACHs – You may transfer money online.
  • Send Deposits By Mail – Mail your checks if you wish.
  • No Hard Inquiry – Applying will not hurt your credit rating.
  • Online Statements – Get your statements off the internet.
  • Joint Accounts Available – Share this account with another person.

iGObanking.com – iGOchecking Joint Accounts

Most people can set up a joint account with the company if they are old enough, but if you want the FDIC insurance, then you need to qualify for their three requirements, which are mostly based around rights, ownership, and who has control over the account. If you have a joint account, you are only allowed up to a quarter of a million in insurance for your money, but that amount doubles if both are married to each other. You only need one dollar as your first deposit, after which there are no maintenance fees or minimum balances you need to maintain.

ACH withdrawals are limited to $15,000/trans and $50,000/month, and bank charges ATM withdrawal will cost you fees $1.50 with other other-bank ATMs. You can have your statements sent out to you at a massive $10.00/month fee.

Features & Benefits

  • Regular Checks – You may write regular checks on paper.
  • Online Bill Pay – Pay your bills over the internet with this account.
  • Online ACHs – You may transfer money online.
  • Send Deposits By Mail – Mail your checks if you wish.
  • Joint Accounts Available – Share this account with another person.
  • Debit/ATM Card – Get a debit/ATM card with your account.
  • Online Banking – Manage your account via the internet.
  • ACH deposits and withdrawals may be initiated by another bank.
  • Online Statements – Get your statements off the internet.
  • No Hard Inquiry – Applying will not hurt your credit rating.

ING Direct – Electric Orange Accounts

You can set up joint accounts with ING, but only for adults. You cannot set them up for you and your kids unless your kids are over 18yrs old. There are no minimum balance requirements, no monthly fees and no minimum balance to maintain. They pay you interest on your balance that can range from 0.2% APY for up to fifty thousand, and can reach as high as 0.90% for amounts over one hundred thousand.

You get an unauthorized overdraft that is not charged a fine, but you will have to pay interest on the amounts you overdraw. You may use ATMs free if they are part of the Allpoint network. You get a free packet of postage-paid envelopes for your check deposits.

Features & Benefits

  • Online ACHs – You may transfer money online.
  • Debit/ATM Card – Get a debit/ATM card with your account.
  • Online Statements – Get your statements off the internet.
  • Online Banking – Manage your money on the internet.
  • Joint Accounts Available – Share this account with another person.
  • ACH deposits and withdrawals may be initiated by another bank.
  • Online Bill Pay – Pay your bills over the internet with this account.
  • Send Deposits By Mail – Mail your checks if you wish.
  • Overdraft Protection For Your Account – Link your account to another source of funds to ensure you cannot overdraw on your account.

Charles Schwab Bank – High Yield Checking

With a Charles Schwab joint account, you may enjoy an APY rate of 0.15% no matter what you bank account balance is. You do not have to pay a starting fee, nor is there a starting deposit. There are no maintenance fees, and it is very easy to set up an account. Their website is one of the few that actually references joint accounts on the homepage of the website. Click the small “Joint Account” button and then click “Get Started” on their website homepage to sign up for a joint account.

Enjoy unlimited ATM fee reimbursements for cash withdrawals, but oddly not for other transactions (which is a weird policy). Your fees are reimbursed at the very end of the month. They have ACH deposit limits of $100,000/trans. Your free checks are sent with postage-paid return envelopes so you can deposit checks too.  You will have to open a Schwab brokerage account if you want a joint account. You are limited with regards to ACH withdrawals at $100,000 per transaction. They will refund your ATM fees up to $9999.00 per month (another weird policy).

Features & Benefits

  • Online Banking – Go paperless.
  • Online ACHs – You may transfer money online.
  • Debit/ATM Card – Get a debit/ATM card with your account.
  • Regular Checks – You may write regular checks on paper.
  • Online Banking – Manage your account via the internet.
  • Online Bill Pay – Pay your bills over the internet with this account.
  • Send Deposits By Mail – Mail your checks if you wish.
  • ACH deposits and withdrawals may be initiated by another bank.
  • Joint Accounts Available – Share this account with another person.