Yes, you can open a joint account online at Bank of America, but only if both account holders are present during the process
Bank of America allows you to start a joint checking or savings account entirely online through their website or mobile app. Both people on the account must be there at the same time to complete the application — you cannot open it alone and add someone later. The process takes about 10 to 15 minutes, and you'll need a valid government ID, Social Security number, and an initial deposit (usually $25 minimum for checking, though this varies by account type).
The account becomes active immediately after approval, and you can use it the same day. Both account holders get their own debit card, online access, and full control over the account. If either person wants to close the account or remove the other person later, that person can do it unilaterally — joint accounts don't require both signatures to make changes.
Key Takeaways
- Both account holders must be present online at the same time to open a joint account; you cannot complete the application solo.
- You will need a valid government ID, Social Security number, and initial deposit from each person, and the process takes 10 to 15 minutes.
- The account is active immediately and both people can use it right away, but either person can close it or remove the other without permission.
- Bank of America offers joint checking and savings accounts online, and you can choose overdraft protection and other features during setup.
What you need before you start
Gather these items before you and the other account holder sit down together: a valid government-issued ID (driver's license, passport, or state ID) for each person, your Social Security numbers, and the initial deposit amount. Bank of America accepts debit cards, bank transfers, or wire transfers to fund the account. If you're opening the account from outside the United States, you may need additional documentation — check Bank of America's website for your specific situation.
Make sure both people have access to email and a phone number for verification. Bank of America will send a confirmation email to each account holder, and you may receive a text message with a verification code during the application. If either person cannot receive these messages, the application will stall.
Steps to open the account online
Go to bankofamerica.com or open the Bank of America mobile app. Select "Open an account" and choose the account type — joint checking or joint savings. Enter the primary account holder's information first (name, address, date of birth, Social Security number, employment status). Then enter the second account holder's information in the same fields.
Review the account terms, set up online banking username and password, and choose your overdraft settings. Bank of America will ask whether you want overdraft protection (which links the account to another account to cover shortfalls) or overdraft fees (which charge you if you spend more than you have). Select your preferences and submit. The system will send verification codes to both email addresses and phone numbers on file. Enter those codes to confirm, and the account opens immediately.
What happens if one person cannot be present
If the second account holder is not available to complete the application at the same time, you have two options: wait until both of you can sit down together online, or open a single account now and visit a Bank of America branch later to convert it to a joint account. Converting an existing account to joint requires both people to be present at the branch with ID, and it takes a few minutes.
Some branches also allow you to open a joint account in person if that is easier for your schedule. Call your local Bank of America branch or use the branch locator on their website to confirm they offer in-person joint account opening, and ask whether you need an appointment.
Joint account rules you should know
Both account holders have equal rights to the money in the account. Either person can withdraw all the funds, close the account, or remove the other person without permission or notification. If one account holder dies, the surviving account holder typically retains access to the full balance, though this depends on how the account was titled and your state's laws. Bank of America can freeze the account if there is a dispute, but this is rare.
Both account holders are responsible for overdrafts and fees. If the account goes negative, both people's credit reports may be affected if Bank of America reports the debt. Creditors can pursue either account holder for the full amount owed. If you are concerned about this, discuss it with the other person before opening the account.
Fees and account types
Bank of America charges a monthly maintenance fee for most joint checking accounts (typically $12 per month), but you can waive it by maintaining a minimum balance, setting up direct deposit, or meeting other requirements. Joint savings accounts usually have no monthly fee. Interest rates on savings accounts vary and are typically very low — check the current rate on Bank of America's website before you open.
Some account types, like Bank of America Advantage Plus or Premium Rewards, have different fee structures and benefits. Review the account comparison tool on their website to see which account fits your needs, or call 1-800-432-1000 to speak with someone about your options.
If you need to remove someone from the account later
Either account holder can remove the other person by logging into online banking, calling Bank of America at 1-800-432-1000, or visiting a branch in person with ID. The person being removed does not need to consent or be notified in advance. Once removed, that person loses access to the account and cannot make withdrawals or transfers.
If you want to close the account entirely, either person can do the same. Make sure any pending transactions clear first, and transfer any remaining balance to another account. Bank of America will close the account within a few business days.
Frequently Asked Questions
Can I open a joint account if the other person lives in a different state?
Yes. Both of you can be in different states and still open the account online together. You both need internet access, a valid ID, and a phone or email for verification. The account will be governed by the laws of the state where the primary account holder lives.
What if Bank of America denies my application?
Bank of America may deny the application if either person has a history of fraud, unpaid debts to the bank, or a ChexSystems report (a banking history report). Call 1-800-432-1000 to ask why the application was denied and what you can do next. You may be able to reapply after addressing the issue.
Do both people need to be customers already?
No. You can open a joint account even if neither person has a Bank of America account. The online application works for new customers. If one person already has an account, they can use their existing login to start the process.
Can I set spending limits on the other person's debit card?
Bank of America does not allow you to set individual spending limits on joint account debit cards. Both cards have access to the full account balance. If you want to control spending, you would need to use a separate account or discuss a budget with the other person.
How long does it take to receive the debit cards?
Bank of America typically mails debit cards within 7 to 10 business days. You can use the account immediately online and through ATMs, but you will need the physical card to make purchases in stores. Ask during setup if you want expedited card delivery, which may have an additional fee.