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Yes. Generally in the US, either owner of a joint account can use it without the other's permission.

In New Zealand this depends on the signing authority that is set up for the account. If two must sign, then you cannot, if either of you can sign on the account for various purposes, you will be able to.

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Q: Can you withdraw all money from a joint savings account with your spouse.?
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If it is a joint bank account, then yes. But a savings account cannot be drawn from very many times before handling fees are applied for most banks.


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If the account is "Joint Tennants in Common" then all of the joint owners must be present to close that account/write checks/withdraw fund. Most banks do not offer Joint Tennants in Common, but offer "Joint With Rights of Survivorship" this means that only on owner must be present to close the account.


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