How do I add a signer to my checking or savings account? (2024)

FAQs

How do I add a signer to my checking or savings account? ›

Usually the account owner chooses a spouse, relative, business partner, or close friend as an authorized signer. To add an authorized signer to an account, both you and the individual will usually need to go the bank to fill out an application and provide proper identification.

The procedure for adding someone to your bank account varies by financial institution. Typically, it includes the following: Visit a bank branch together or call together (though some banks or credit unions allow you to do it online). Request to add the other person to your savings or checking account.

Many people choose to have an authorized signer in case of an emergency or for matters of convenience. For example, an authorized signer on a checking account can sign checks, make withdrawals, and check balances.

Authorized signer vs.

Co-owners on a joint bank account have all of the same access privileges. That means that both parties can complete everyday transactions, similar to an authorized signer. However, either party can also close the account, which an authorized signer does not have permission to do.

Adding someone to your bank account is a straightforward process. Head to your nearest bank branch or use the online option some banks offer. Make your request and be sure to bring necessary documents such as proof of identification, Social Security number, address, and contact number.

Authorized signers typically can make deposits and withdrawals (including writing checks and using the account's debit card). Authorized signers can only act on behalf of the account owner and have no personal ownership rights to the assets. And when the account owner dies, the authorized signer's authority ends.

A secondary signer – sometimes referred to as an “authorized signer” or a “convenience signer” – is a person who has access to a bank account without having ownership of it.

Now there are different ways to add a child. You could add them as an agent under a power of attorney or add them as a designated beneficiary to that account and that is something different, but making a child a joint owner on a bank account is almost never a good idea.

You will have to approach the branch where she has her account with a request letter addressed to the Branch Manager, signed by her, requesting the bank to convert her account into a joint account by including your name and make it operable as 'Former or Survivor' or 'Either or Survivor'.

Can I add a signer to my bank account without them being present? ›

To add an authorized signer to an account, both you and the individual will usually need to go the bank to fill out an application and provide proper identification. There may be other conditions or terms specific to your bank, so it's best to inquire in advance.