My fiancee just put me as beneficiary on his account with a debit and credit card in my name. I just asked the bank to allow me to access the account online. They said I needed his approval. I guess there are many other reasons why he put me as beneficiary instead of opening a joint account in his name and my name, and I would be very curious to know what they are.
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As a beneficiary on the account, you should not have any form of access unless you are also an authorized signer or hold a power of attorney from your fiancé. This is something you should ask him about.
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