If a customer opens a joint account and one owner signs the sisnature card and the other is coming in at a later time, is this account considered a single ownership until the second owner signs the signature card?
This is still a single account. For FDIC insurance purposes, there is no signature for a co-owner and that person has not agreed to the terms of the agreement yet. They can't be obligated to the terms until this happens.
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This is still a single account. For 