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I don't understand - in your first post you said "We have a joint savings and checking account," but now you write "It's not going to be set up as a jtwros... I can't ask for that..." Does the...

Almost all joint accounts set up with banks - such as checking and savings accounts - are set up as Joint Tenants with Rights of Survivorship, or JTWROS for short. You can check with the bank to...