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Joint Account is an account that is owned by two or more parties. Joint accounts allow either party to enter transactions for the account. Both parties must sign a joint account agreement. All joint accounts must be designated as joint tenants in common or with rights of survivorship.
Two or more parties may open an account together so long as all of the parties have reached the age of majority. A minor may never have a joint account with an adult. All accounts operated for the benefit of a minor must be operated as a custodial account. A registered rep may have a joint account with a customer so long as the firm does not prohibit it and the rep participates in the gains and losses only to the extent of their financial contribution to the account.