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Recently opened a joint account with another differently-named person who also had a different address. At no time was online access requested for this account.
It just so happened that I had some accounts with this same financial institution that I managed online. The new joint account showed up in my online accounts with my name only, not the joint account name.
I've had a moan about this but surely it's some kind of security breach?
How is it a security breach?
It's your account. It shows up in your online banking.
I'm unclear as to what security has been breached as long as you can only see your accounts and the joint account and the other person can only see their accounts (if any) and the joint account.
No, it's a joint account that specifically needed both signatures.
Both signatures to see the balance online?
I have a joint account with my wife and it shows up in my accounts summary but I can't see her accounts. It is the same for her, she can see the joint account with her other accounts but can't see mine.
Was only used for paying in and writing cheques. Never set up for online banking. Surely this account shouldn't have appeared with other accounts in my name only?
Edit: for clarity the joint account was a one-off, not held with my partner.
As @torso says you don't need join signatures to see the balance. It shouldn't allow you to withdraw money (unless that's explicitly allowed for online access in the T&C's)
@cg you nmay have ticked a box to setup online banking or it may be the default, ideally banks want us to do everything online as it saves them money
I still don't get your objection. What harm can seeing the balance of an account you manage in your online banking do? The account number must be visible, so the name is not the only identifier.
i understand the objection,
go into the joint account, move everything to your personal account. done.
change name and stw login and ask cougar to delete this thread.
If the online site allows you to do something with the joint account in a way you shouldn't be able to (eg transfer money without approval of the second signatory) they yes, it's a breach. If it just shows you that the account is there and the balance then no it isn't.
Turning it round, you're more likely to see if your co-account holder was up to no good with the shared money.
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Love that pic!
What's annoying is that we actually went into the branch to open the account, how quaint is that?? The Manager didn't offer tea and biccies, boo. 😉
Just been speaking to a friend who's worked in banking and reckons that it wasn't set up properly even though we wanted both signatures on cheques that were written. Human error it would seem.
Cheques? Now that's quaint!
Unless it was specified to have no online access then it's probably just in the T&C's that you read and signed to say you read. 😉
"Edit: for clarity the joint account was a one-off, not held with my partner."
So your partner with who you share log in details with has caught wind of your other financial arrangements?
I see your concern, but unless you (or the other account holder) can move money around without the others authority I can't see the security breach.
Not making accusations, it was the first thing that popped into my mind as I log in as the wife. Interestingly (Santander) joint credit card can't be seen on my log in as I'm an additional card holder rather than a joint account holder in their eyes. Hence I log in as her.... It does frustrate me.