The benefits of having a joint checking account

Sharing a checking account can streamline your finances by having just one account for all transactions. Since you are combining the banking needs of two or more people into one checking account, there is an opportunity to save on some fees. For added convenience, a joint checking account includes debit cards for all owners of the account. 

Things to consider before opening joint checking

When two or more people share a checking account they receive all the features of an individual BBVA checking account. In addition, there are other benefits and considerations you should evaluate when deciding to combine finances. 

Because you are sharing the account with another person, there is less privacy. Your purchases and financial decisions will be seen by the other account member. Likewise, you will be aware of their transactions as well. The choices made by one will affect the other. Before creating a joint account, be certain you are comfortable with the arrangement. 


Open a joint checking account


BBVA joint checking at a glance

Some of the benefits of combining two or more owners on one checking account include: 

  • Two debit cards for joint checking convenience 
  • Streamline fees by having just one checking account
  • The simplicity of one account to manage and pay bills 
  • Greater awareness if needing to oversee a loved one's finances


Some commonly asked questions about joint checking accounts


How does a joint checking account work?

A joint checking account is one banking account that is shared by more than one person. Anyone who is a member of the account will have their own debit card and can make deposits, withdrawals and payments using the account.

Who can open a joint checking account?

You don’t have to be married to start a joint checking account. Anyone who is 18 years or older can open or join an account. Married, unmarried, children (when opened by a parent), adult children for elderly parents, friends and business partners can all share joint accounts.

What do you need to open a joint checking account?

To open a BBVA joint checking account a minimum deposit of $25 is required. Each person on the account will need the following information and documentation: 

  • Social security number
  • Driver's license, state ID, passport or other US government issued ID
  • Date of birth (must be 18 or older)
  • Current address 
  • Proof of US citizenship or permanent residence
Can you open a joint account online?

Yes, you can apply for a BBVA checking account online at BBVA checking. Once you have selected the type of BBVA checking account that you want, click the Open Now button to start your application. When applying, make sure to provide all documentation for each account member. Once you fund your account, you will need to review and confirm your information before submitting. 

If you would rather apply in person, you can find the nearest branch by clicking here. Or you can apply over the phone at 1-844-BBVA-USA (1-844-228-2872).


Can you open a joint bank account without the other person present?

To open a joint checking account online, by phone or in person at a branch, every person wishing to be on the account must be available to provide the needed information.

Let us help find the right checking account for you

The BBVA Help Me Decide feature can recommend a checking account that fits your  needs with just a few simple questions.

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In addition to checking, BBVA offers other deposit accounts that allow for the option of joint ownership, including:

A visit to your local branch is a great way to learn more about and open these accounts. 

Details you need to make a smart decision

Checking accounts and Savings accounts subject to approval, which may include credit approval. $25 minimum opening deposit required for Checking and Savings accounts. Please refer to the Terms & Conditions for each product or service for additional details. Additional terms and miscellaneous fees may apply. Products, features and benefits offered with accounts are subject to change at any time.

Text Message Alerts: Message and data rates may apply. Please check with your wireless carrier about such fees.

All BBVA ClearSpend accounts subject to approval.