Joint Bank Account, Which bank is suitable?
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  Jan 29 2008, 05:43 PM, updated 18y ago
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#1
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Junior Member
102 posts Joined: Jul 2005  
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My bf and I wana to start saving for our future expenses (eg: house).. And we plan to start a new bank account with our names.. At first, planning to open an account in CIMB.. but CIMB do not have account book.. so have to go for other banks..
Wana ask sifus here.. Which bank should I go? And which type of bank account should I choose? Or just choose any bank that is convenient for us (my bf and I)? |
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Jan 30 2008, 02:54 PM
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#2
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Junior Member
102 posts Joined: Jul 2005
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first of all, thks for all the replies..
QUOTE(b00n @ Jan 29 2008, 06:45 PM) tq for the link... got a lot other information from there besides here.. QUOTE(wongck @ Jan 29 2008, 06:59 PM) It depends on branches. Some branches said they got rules or bla bla bla. Then I went to other branch to open, without any question the gal open an account for me (same bank, PB Bank). PB Bank do have account book. what did 988 say?No point to open a joint account, u never listen to 988 this morning?  QUOTE(airline @ Jan 29 2008, 09:06 PM) in case u break up, going to be difficult to split the money we are planning to input rm100 (each person) only every month.. so.. will split 50-50 if it really happen.. btw, my bf say.. will open an account in maybank.. if maybank not allowed, then will go for public bank (this will be my suggestion to him).. coz if the money grows.. then transfer to public mutual oso easier ma.. that is my opinion only.. hmm.. ne way, thks a lot for all the information given  |
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Jan 30 2008, 11:27 PM
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#3
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Junior Member
102 posts Joined: Jul 2005
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QUOTE(ekestima @ Jan 30 2008, 06:07 PM) if u do open joint ac, make sure its "BOTH TO SIGN" and not "either one to sign" else if ur bf run away, he can withdraw the $$. So anytime if u wanna withdraw $$ it'll need both of u to sign then can withdraw. yah.. we are planning for the 'both to sign' policy.. thank you for the concern again.. There'r pros & cons for joint acc.   |
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Jan 31 2008, 11:03 PM
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#4
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Junior Member
102 posts Joined: Jul 2005
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QUOTE(cantdecide @ Jan 31 2008, 02:27 PM) BTW, how old are you both, if you don't mind? both is abt 23 years old.. hmm.. i think ur idea to get own personal account is not bad.. actually the reason to open joint account is bcoz my bf hardly save money.. now thinking back, i think i shd not open a joint account.. i also don wan to feel like forcing him.. but he said he willingly to open the account.. sometimes, i forget abt opening joint account and he will remember to remind me to open the joint account.. actually, shd i open a joint account with him ?The better option is to individually open a separate account in Public Bank. Then diligently put in a specific amount every month. You can decide to hold the ATM and bank book. Anyway, it's entirely your decision. QUOTE(b00n @ Jan 31 2008, 02:31 PM) Usually for husband and wife joint account, it's not advisable to have signed the "BOTH TO SIGN" statement. erm.. we do not plan to tk out the money.. that is jz for saving purpose..It's because in the event of emergency, both have to be there to withdraw the money which a lot of time is a hassle or not doable. |
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Feb 1 2008, 11:48 AM
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#5
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Junior Member
102 posts Joined: Jul 2005
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QUOTE(cantdecide @ Feb 1 2008, 05:41 AM) Honest and frank but unpleasant direct answer: No. You guys are way too young for this. I bet you knew him for not too long and just started working. i knew him for very long alredi.. abt more than 16 years.. and we have been dating for more than 6 years..  and i am not working yet (but i have allowance monthly) |
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Feb 27 2008, 02:48 PM
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#6
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Junior Member
102 posts Joined: Jul 2005
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thank you, mtsen! it is a very valuable information that u hv gv.. yup.. the joint account is not important.. wat i wan is my bf to save money (and me too).. so i think we will jz hv our own account and save on our own.. reli reli tq mtsen..
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