First of all, they have different purposes:

1, use * * * to manage accounts: account * * * management is generally common in the field of engineering construction, that is, the construction party signs an account * * * management agreement with Party A (the employer), and the financial seal of the construction party and the name seal of Party A are reserved in the bank. The management of account * * * is mainly for Party A to monitor the use of funds, so as to use the funds for special purposes and prevent the owners from using the funds for other construction projects.

2. Use of joint accounts: Individual joint accounts are subject to the signature terms when used. The so-called signature clause refers to the clause that the depositor of a joint account has the right to sign and seal with the joint account holder when opening a joint account. In fact, it is the rule that the joint account holder agrees to use and control the joint account. As a financial intermediary, banks manage joint accounts in strict accordance with the signature and seal authority determined in the signature terms.

Second, they have different meanings:

1, * * * Meaning of managing accounts: Industrial Bank has successively developed its own joint account products, giving couples who want to jointly manage assets more choices. In addition, business partners can also use this as a tool to realize the * * * management and supervision of account funds.

2. Meaning of joint account: A joint account refers to a personal current settlement account or lump-sum time deposit account in local and foreign currencies opened by two or more (less than five) individual customers with unlimited deposits.

Third, the requirements of the two are different:

1, * * * Account management requirements: two people must agree to make payment in this account. When opening an account in a bank, the reserved seal is made by two people together, that is to say, in order to use the money in the account in the future, it must be sealed by two people at the same time to take effect.

2. Joint account requirements: In order to show the consent of the joint account holder, the joint account must show all the identity documents of the joint account holder when opening the account, and all the holders shall sign and seal them. Traditional personal accounts can only be opened through the identity certificate of the account holder.

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Baidu Encyclopedia-Joint Account

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