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TD Joint Bank Accounts

Opening a joint checking or savings account with someone close to you can help you spend, save and monitor money more efficiently. Visit your local TD Bank to explore your options and open a joint bank account today.

When to open a joint bank account

Sharing a checking or savings account can be a good idea for a variety of relationships, such as married or unmarried partners; parents and children; seniors and caregivers.

A joint bank account makes it easy to:

  • Pay shared bills, like rent, mortgage or utility bills
  • Buy shared items, like groceries
  • Create a budget and keep track of spending
  • Contribute to financial goals, both big and small
  • Deposit checks for each other

Plus, with two people contributing to your monthly balance, you may even be able to upgrade to an account with more features like TD Beyond Checking and TD Signature Savings.

  • How a joint bank account works

    A joint account, also known as a dual account, is an account that has more than one owner.

    Each owner has full access to the account and can:

    • Make deposits and withdrawals
    • See all account activity
    • Have their own debit card
    • Write checks—joint bank account checks will have both names on the check
    • Set up their own profile in Online Banking and the TD Bank app with full access to the joint bank account

  • How to open a joint bank account

    The best way to open a joint account is to book an appointment for both account owners to visit a TD Bank. A TD representative will work closely with you both to explore how a joint account might help you reach your financial goals and make everyday banking easier. Together, you can choose the checking or savings account that works for you.

    To open a joint account, you'll need:

    • Identification for both account owners, like a driver's license, state ID or passport
    • Personal information for both account owners, including your date of birth, Social Security number and current address
    • Funding your account at opening will allow you to begin enjoying the benefits immediately

Explore TD Checking and Savings accounts

When you're ready to open a joint bank account, visit a TD Bank with your co-owner to get started.

Open a joint bank account in person together

Whether you're opening a new account or adding someone to your TD account, both owners will need to bring the required info.