It is most certainly illegal to withdraw money from a bank account without the knowledge and permission of the owner of the account.

One of the various ways in which parties contribute to democratic governance is by _____. How are third political parties usually significant? They bring new voters into the electorate. Many political scientists speak of the “three headed political giant” as a model for modern political parties.

The Election of 1860 It matched Republican nominee Abraham Lincoln against three other candidates: Democratic Party nominee Senator Stephen Douglas, Southern Democratic Party nominee John Breckinridge and Constitutional Union Party nominee John Bell. The main issues of the election were slavery and states’ rights.

Jointly Owned Accounts If you own an account jointly with someone else, then after one of you dies, in most cases the surviving co-owner will automatically become the account’s sole owner. The account will not need to go through probate before it can be transferred to the survivor.

Typically, an authorized signer has many of the same rights to the account as the account owner. Not only can he sign checks from the account, he can access the account’s balance and view transactions. The Uniform Commercial Code also grants him the right to close the account or stop payments on checks.

Banks won’t let you add him to your account without his presence. Take along several proofs of your fiancé’s identity, such as his Social Security card and state ID or driver’s license.

Can you open a joint bank account without the other person present? Some banks will allow you to open a joint account online or over the phone. In this case, both people need not be present, but both must provide social security number and photo ID.

Understanding Primary Account Holders The person who makes the initial application to open an account or to apply for credit is referred to as the primary account holder. These people are known as secondary account holders and, in the case of credit cards, authorized users are also called additional cardholders.

While some banks require both account holders to provide their consent to add or remove a person from a joint account, most banks allow any account holder to close a joint account individually.