Best Credit Union for Joint Checking (No Shared Logins)

[mark1210]

Hello,

 

I'm curious if anyone who has/had a joint checking account with a credit union that did not require the sharing of one userID/password to view both accounts and perform bill pay.

 

For example,

 

Most of the banking between me and my wife is currently performed at Alliant - unfortunately they require the sharing of online credentials (she has to use my ID and PW) - it makes it rather tough when there are certain identity questions asked "what was the name of your childhood friend?" that she will have a hard time answering. And this situation occurs quite often since her work computer apparently doesn't save cookies.

 

Logix - same thing, sharing of ID and password is required.

 

DCU appeared to be the only one that had separate logins that would allow both people to login and view all accounts and perform bill pay with only their payee's listed. Unfortunately, DCU wasn't all that good to us so they were closed - toy limits, and their debit cards failed on us twice (once apparently was due to some flag being set when the account was new, and then the second time some kind of problem with their network).

 

Thanks!

 

 

[traveler505]

I don't have an answer to the question you asked, but, if you're willing to share your password with your wife, why can't you share the name of your childhood friend? Most sites only require about 3 questions, and you normally get to choose which 3 to use as security questions, so that doesn't seem to difficult. If you're concerned that she could use the info to get into your non-joint accounts, you could also give fake answers to the security questions on the joint account. I regularly do that when too many people might know the real answer, so I say my childhood friend was "Imaginary".

[mark1210]

I don't have an answer to the question you asked, but, if you're willing to share your password with your wife, why can't you share the name of your childhood friend? Most sites only require about 3 questions, and you normally get to choose which 3 to use as security questions, so that doesn't seem to difficult. If you're concerned that she could use the info to get into your non-joint accounts, you could also give fake answers to the security questions on the joint account. I regularly do that when too many people might know the real answer, so I say my childhood friend was "Imaginary".

 

Unfortunately it's either 5 or 6 questions for Alliant - I've gone so far as to write them down and include the answers and have her put them in her purse. I just think it's a matter of inconvenience for her, and when she did have to call she had to stumble around until she found the paper in her purse. I've tried to use the same answer for all the questions but their site doesn't permit that either. Fair question though =)

[CTSoxFan]

Are you eligible for Navy? My DW and I both have separate logins, however we can both see the joint account in our profiles, pay bills, etc. We used to use their flagship checking as our main account, however we moved it when we got our mortgage with Chase.