---
type: "Learn"
title: "联名账户"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/learn/joint-account-100725.md"
parent: "https://longbridge.com/zh-CN/learn.md"
datetime: "2026-04-01T11:29:40.972Z"
locales:
  - [en](https://longbridge.com/en/learn/joint-account-100725.md)
  - [zh-CN](https://longbridge.com/zh-CN/learn/joint-account-100725.md)
  - [zh-HK](https://longbridge.com/zh-HK/learn/joint-account-100725.md)
---

# 联名账户

A joint account is a bank or brokerage account shared between two or more individuals. Joint accounts are most likely to be used by relatives, couples, or business partners who have a level of familiarity and trust with each other.A joint account functions like a standard account, such as a checking or savings account, and allows anyone named on the account to access its funds. All owners can withdraw cash, write checks and make online payments.

## Definition

A joint account is a bank or brokerage account shared by two or more individuals. It is most commonly used by relatives, spouses, or business partners who have a certain level of familiarity and trust. The joint account functions similarly to standard accounts, such as checking or savings accounts, and allows any person listed on the account to access its funds.

## Origin

The concept of joint accounts originated with the development of the banking industry. As family and business collaborations increased, banks began offering this type of account to meet the need for multiple people to manage funds together. The exact origin time is difficult to pinpoint, but its popularity is closely linked to the evolution of modern banking systems.

## Categories and Features

Joint accounts are mainly divided into two types: joint accounts and survivor accounts. Joint accounts require all account holders to co-sign for certain transactions, while survivor accounts allow any holder to operate the account independently. The advantage of joint accounts is convenient fund management and sharing, but there is also a risk of fund misuse.

## Case Studies

Case 1: A couple opened a joint savings account to store their family savings together. They can check the account balance and make deposits or withdrawals at any time. Case 2: Two business partners opened a joint checking account to manage the company's daily expenses and income. Through the joint account, they can manage the company's finances more effectively.

## Common Issues

Investors using joint accounts may encounter issues such as handling disputes between account holders and the distribution of funds after an account holder's death. It is usually recommended to clarify the rights and responsibilities of each party before opening the account.


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