Adding a person to your bank account is easy with the proper identification. The process varies depending on your financial institution, but can be accomplished within a matter of minutes. Banks like Bank of America and US Bank even allow you to add someone to your account online, saving you a trip to your local branch. With this method, it may take one or two business days before all the necessary information can be verified to finalize your joint account.

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     Verify your bank's policy. Call your local branch or visit your bank's website. Most major banks have a toll-free number you can call to speak with a bank representative. Ask a customer service representative what information is necessary to add someone to your bank account. Most banks will allow you to establish a joint account in person, online or over the phone.

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There are many legitimate reasons to add a name to your mortgage title or property deed. You may want to add your spouse, you intend on selling the home, or you need to add someone to borrow against the equity of the home. However, you still need to retain control of the title--otherwise, you might lose the home. You do not want to transfer the title accidentally or provide someone with a "temporary" hold on the title. Make sure you only add someone to the title with you. Thereafter, you can then add that person to your mortgage.



Doing so however, is not a straightforward process. The mortgage company or bank may have certain policies and procedures, or demand certain requirements in order to add someone to your property title; it might not even allow the adding of another party to your mortgage.

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