How do joint accounts work?

October 27, 2026

[CONFIRM: whether CREB offers joint accounts, and the ownership type]

A joint account is owned by two people, typically spouses or partners. Both owners can see the balance and interest, add funds and request withdrawals.

What happens if one owner dies

With joint tenancy with right of survivorship, the surviving owner becomes the sole owner of the account without going through probate.

Joint account or beneficiary?

A joint owner has full access while you're alive. A beneficiary has no access until after your death. See how to add a beneficiary.