Add Joint Account Holder in PNB : As we all know Punjab National Bank is a well known bank in India. All those who already have a bank account in PNB and want to add joint account holder in PNB, can continue reading this article as it will be really helpful. Adding a Joint Account holder lets you operate your Account jointly with one or more account holders. All the facilities and benefits of the main account holder can also be availed for the joint account holder. However, we would like to tell you that you must have complete trust on the person with whom you are going to opt for a Joint Account in PNB. Previously, we have also discussed the procedure to update mobile number in PNB Account and the step by step process to change name in PNB Bank Account.
Kindly note that the process to add joint account holder in PNB is quite easy it doesn’t take much time of yours. You just need to follow the step by step procedure given below to add a joint account holder in PNB.
How to Add Joint Account Holder in PNB ?
In order to add PNB joint account holder, you need to follow the steps given below :
1) Filling up Account Opening Form or Submitting the Passbook
Case 1 : If the Joint Account Holder does not have an Account with PNB : If the person whom you want as the joint account holder does not have an PNB account, then you must fill up PNB Account Opening Form same as a new account holder. In this form you need to add the details of the Joint Account Holder(s). Dont forget to put a tick mark on the appropriate boxes and mention the type of joint account you would need from the options given i.e., Either or Survivor, Anyone or Survivor, Former or Survivor, Jointly, Jointly or Survivor.
Case 2 : If the Joint Account Holder already has an Account with PNB : If the person whom you want as the joint account holder already has an PNB account, then you would just need to carry the copy of his/her PNB passbook. Kindly note that the data from the Account Opening Form will be used only for creating CIF(Customer Information File) Number.
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2) Gathering the KYC Documents
Once you are done with filling up the form, you would need to gather the KYC Documents (For Address Proof & Identity Proof) of your Joint Account Holder(s).
3) Writing an Application to the Branch Manager
Write an Application to the Branch Manager of your PNB Home Branch mentioning that you want to add a Joint Account Holder in your PNB Account.
4) Submitting the Form & Documents to the Home Branch
Once you have the completely filled up PNB Account Opening Form, KYC Documents and the application to add the joint account holder, you just need to visit your PNB Home Branch and submit the documents to the accounts executive. Once the successful validation of all the details and documents of the Joint Account Holder(s) is done, the joint account holder will be added to your PNB Bank Account.
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Final Words :
You might have seen that adding a joint account holder in PNB is a very easy process and it can be finished just within 15-20 minutes after you reach your the bank branch. Do keep in mind that the amount and the type of access which is given to a joint account holder is totally in the hands of the main account holder. At any point of time you can remove a joint account holder or change access.