On a joint account, can a bank contact one owner on telephone (marketing) and close an account and open another without both owners and without any signature?
Many banks have begun to do some or all of their account opening via the Internet and it's likely there are those that do some of the customer interaction involved by telephone. For checking accounts, there is often a final step that calls for a signature to be mailed, delivered or faxed.
As for closing a joint account, the law of virtually every state specifically provides that any signer on an account can close the account. That legal provision can be altered by the deposit agreement. For details on how a specific bank addresses the account opening and closing processes, contact a representative of the bank in question.
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Many banks have begun to do some or all of their account opening via the Internet and it's likely there are those that do some of the customer interaction involved by telephone. For 