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This is such a ridiculously widespread problem...

When I opened a new joint bank account with my wife, the branch manager was helping set us up for online access. I asked about having our individual logins linked to the joint account. He said they couldn't do that, and we had to share the login for the joint account. I pointed out their TOS had just forbidden us to ever do that. He agreed it was stupid, but they had no other option available.



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