Joint accounts give you and other trusted people full access to a shared checking or savings account. All account owners can deposit, withdraw, transfer, and manage settings.

A joint account automatically receives the highest membership tier held by either owner. To set one up, an existing account owner sends an invitation. The invitee must then complete onboarding to gain access and become a joint owner. You can choose to invite a user to convert an existing personal account into a joint account or to create a new joint account.

Joint accounts require customers to be at least 18 (19+ in AL and NE). There’s no limit to how many joint accounts you can have.

Parents or guardians can create checking or savings accounts for children (no age limit). These accounts are owned and controlled by the parent or guardian.

2 access levels:

• No access: Children can use debit cards only.
• Limited access: Children can use debit cards, log in to the app, and view their own balance/transactions only.

Parents can set monthly and transaction limits, lock/unlock the card, and enable child-safe mode (blocks specific merchants).

In the Family tab, you can view account spending patterns by month and filter between all account holders or per account. You can add a new account holder by selecting +Add and view all transactions made on the debit card (by total account or per account holder).

When selecting an individual, account owners can see all shared accounts, all transactions made by the joint or child account, and edit child account settings. Owners can lock the debit card or replace it (reporting as lost/stolen), edit/add spending controls for transaction limits, enable/disable child safety mode, edit access level, and remove the child or joint account.

Robinhood is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC.