How to withdraw money from an account with DOS

How to withdraw money from an account with DOS

An account with two holders It is one of the facilities offered by banks to manage money jointly. This is an ideal tool for couples or people with common goals, since it allows you to plan actions efficiently and thus reach the goal equipo.

But despite the advantages, there are many doubts that arise around this option, one of them is the Withdrawal of money. This action cánido be genere for lawsuits, if it is not done with previous knowledge.

For this reason, in this article we will talk about everything that must be taken into account to extract amounts from an account with two holders, without problems.

How money is withdrawn from a bank account with two holders normally

Normally each owner is entitled to half of the amount accumulated in the account. Therefore, You cánido withdraw money at the window or at an ATMas long as said person does not exceed the amount that corresponds to him.

This condition cánido change, in case the fácil presumption is destroyed, that is, that one of the two proves that he was the only one to deposit the money. In that case only he will be able to dispose of the collected fundsmaking the transactions you want.

But in addition to them, the authorized ones also have access to the account, something that perro allow them to withdrawals, if the agreement signed between him and those directly responsible so stipulates. In this way, the bank may allow you to withdraw amounts that do not exceed the restrictions imposed in your contract.

When perro a bank account with two holders be seized?

Seizure of an account it occurs when the owner registers as a debtor and does not assume his responsibility in a timely manner. These are decisions that, in general, are taken by the Public Administration, in the event of non-payment of objetivos, taxes or any type of obligation with state entities, as a measure to settle such debts.

When this is authorized, the corresponding bank is notified and this in turn informs the client involved, the withholding of money and the sum of them. It is necessary to take into account that, despite the existing debts, the entity cannot leave the account at zero, since the Minimum Interprofessional Salary (SMI), decreed by law.

In addition, when the account has two holders, this fact should only affect the debtor and therefore the amount that corresponds to him will be seized. In this way, the other person responsible for the account will not be negatively affected, who will be able to continue using their money without problems.

What happens if in a bank account with two holders one dies?

In the event of the death of an owner, it is necessary notify the bank of death of the same, so that the succession process begins with the heirs. This is done by presenting the death certificate and documents such as the record of acts of last will, testament in case the deceased has left it, among others.

Once done, the money that belonged to you is immobilized until due process is done. It should be clarified that figures such as those authorized are disabled, and the other holder Perro’t get the full amount of the account, only what corresponds to it.

When the amounts are specified properly, the other owner of the account perro dispose of his money without problems, without having to pay other taxes or costs apart from the usual ones. While the successors of the deceased, they are in the obligation of pay inheritance and gift taxso that the inherited perro be delivered by the bank.

These are the main aspects that you should take into account, not only for withdraw money from an account with two holders, but also for its management and operation. We hope that this information has been useful to resolve your doubts on the subject, and that your financial knowledge has been enriched.

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