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    • missing string
    • By missing string 25th May 19, 1:08 PM
    • 110Posts
    • 14Thanks
    missing string
    What's the easiest joint bank account to open?
    • #1
    • 25th May 19, 1:08 PM
    What's the easiest joint bank account to open? 25th May 19 at 1:08 PM
    I've received a cheque that's made out to myself, my brother and sister after the death of my father. It took a lot of back and forth with the company to get the cheque in the first place, so I don't want to go through the hassle of getting it re-issued in just one of our names, so the only option appears to be opening a joint account.

    I bank with Lloyds, and just looked at starting the process online, but it states "Visit a local branch accompanied by the person you wish to add to the account to complete the joint application." Since my sister lives hundreds of miles away, I want to open an account with a bank that doesn't require the person to physically be there - I'm guessing one that doesn't have a presence in the high street? Any recommendations would be appreciated for this.
Page 1
    • Gary_Dexter
    • By Gary_Dexter 25th May 19, 1:24 PM
    • 4,788 Posts
    • 3,131 Thanks
    Gary_Dexter
    • #2
    • 25th May 19, 1:24 PM
    • #2
    • 25th May 19, 1:24 PM
    Why can they just not write individual cheques?

    It’s very strange they’ve written a cheque with everyone’s name on
    • xylophone
    • By xylophone 25th May 19, 1:28 PM
    • 29,932 Posts
    • 18,312 Thanks
    xylophone
    • #3
    • 25th May 19, 1:28 PM
    • #3
    • 25th May 19, 1:28 PM
    https://www.santander.co.uk/personal/support/current-accounts/joint-accounts

    If you’re applying for a new account, you can add a joint account holder during your application – online, on the phone, or in branch.
    • missing string
    • By missing string 25th May 19, 1:31 PM
    • 110 Posts
    • 14 Thanks
    missing string
    • #4
    • 25th May 19, 1:31 PM
    • #4
    • 25th May 19, 1:31 PM
    Why can they just not write individual cheques?

    It’s very strange they’ve written a cheque with everyone’s name on
    Originally posted by Gary_Dexter
    They probably can but I don't trust them at all. It's taken such a long time to get to this point I don't want to go through any more hassle with this company (it's been almost 2 years since my father died). Opening a joint bank account seems like the easier option of the two.
    • missing string
    • By missing string 25th May 19, 1:35 PM
    • 110 Posts
    • 14 Thanks
    missing string
    • #5
    • 25th May 19, 1:35 PM
    • #5
    • 25th May 19, 1:35 PM
    Seems like most bank account only allow 2 people per application for a joint account. I'm struggling here trying to find a bank that allows 3 people on an account.
    • 18cc
    • By 18cc 25th May 19, 1:35 PM
    • 1,469 Posts
    • 1,073 Thanks
    18cc
    • #6
    • 25th May 19, 1:35 PM
    • #6
    • 25th May 19, 1:35 PM
    Try TSB - for a sole account they give you sort code and account no there and then online. Maybe the same for joint.
    • xylophone
    • By xylophone 25th May 19, 2:33 PM
    • 29,932 Posts
    • 18,312 Thanks
    xylophone
    • #7
    • 25th May 19, 2:33 PM
    • #7
    • 25th May 19, 2:33 PM
    Seems like most bank account only allow 2 people per application for a joint account. I'm struggling here trying to find a bank that allows 3 people on an account.
    https://www.which.co.uk/money/banking/bank-accounts/how-to-find-the-best-joint-bank-account-a08by0u6cb9p

    I've just seen the table in above which gives information you require.
    • missing string
    • By missing string 25th May 19, 3:02 PM
    • 110 Posts
    • 14 Thanks
    missing string
    • #8
    • 25th May 19, 3:02 PM
    • #8
    • 25th May 19, 3:02 PM
    https://www.which.co.uk/money/banking/bank-accounts/how-to-find-the-best-joint-bank-account-a08by0u6cb9p

    I've just seen the table in above which gives information you require.
    Originally posted by xylophone
    Excellent, thank you.
    • jonesMUFCforever
    • By jonesMUFCforever 25th May 19, 3:34 PM
    • 25,854 Posts
    • 13,059 Thanks
    jonesMUFCforever
    • #9
    • 25th May 19, 3:34 PM
    • #9
    • 25th May 19, 3:34 PM
    From any bank's point of view if you tell them at the outset that you only intend to clear this one cheque through the account then divide it up, I can see them saying no to you. They have the right to refuse an account to anybody.
    Now if you had say a Grant of Probate or letters of Administration or a will where you are all named as executors then you could ask Lloyds for an Executors account.
    What goes around - comes around
    give lots and you will always receive lots
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