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Joint Account Agreement

Joint Account Agreement Template for Switzerland

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Key Requirements PROMPT example:

Joint Account Agreement

"I need a Joint Account Agreement for a Swiss private banking account to be opened by March 2025, involving three family members with varying signing authorities, where two signatures will be required for transactions over CHF 100,000."

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Document background
This Joint Account Agreement is essential for establishing and managing joint banking relationships under Swiss law. It is typically used when two or more individuals or entities wish to open and maintain a shared bank account in Switzerland, whether for personal, business, or investment purposes. The agreement comprehensively addresses all aspects of the joint account relationship, including account operation, liability distribution, succession rights, and termination procedures. It ensures compliance with Swiss banking regulations, anti-money laundering laws, and data protection requirements while providing clear guidelines for both the bank and account holders. The document is particularly important in the Swiss banking context, given Switzerland's strict banking regulations and its position as a global financial center.
Suggested Sections

1. Parties: Identification of all joint account holders and the bank, including full legal names and addresses

2. Background: Context of the agreement and purpose of establishing the joint account

3. Definitions: Definitions of key terms used throughout the agreement

4. Account Operation: Rules for operating the account, including signing authority (joint/several) and transaction requirements

5. Rights and Obligations: Detailed rights and obligations of all account holders and the bank

6. Joint Liability: Provisions regarding joint and several liability of account holders for obligations arising from the account

7. Communications: Rules for communications between the bank and account holders, including instructions and statements

8. Death or Incapacity: Procedures and rights in case of death or incapacity of any account holder

9. Fees and Charges: Details of applicable fees, charges, and payment responsibilities

10. Account Maintenance: Requirements for maintaining the account, including minimum balances and activity requirements

11. Termination: Conditions and procedures for closing the account or removing/adding account holders

12. Governing Law and Jurisdiction: Specification of Swiss law as governing law and jurisdiction for disputes

Optional Sections

1. Online Banking Services: Terms for digital banking access and operations, used when online banking services are requested

2. Investment Services: Terms for investment activities through the joint account, included when investment services are required

3. Foreign Currency Transactions: Rules for handling foreign currency transactions, included for multicurrency accounts

4. Special Instructions: Section for any special operating instructions agreed between the parties, used when standard operations differ

5. Power of Attorney: Provisions for appointing attorneys, included when third-party account access is needed

6. Specific Purpose Provisions: Terms for accounts opened for specific purposes (e.g., business, trust), used when applicable

Suggested Schedules

1. Schedule 1 - Fee Schedule: Detailed breakdown of all applicable fees and charges

2. Schedule 2 - Authorized Signatories: List of authorized signatories and their signing powers

3. Schedule 3 - Account Services: Details of specific services attached to the account

4. Appendix A - Account Opening Forms: Standard forms required for account opening and KYC

5. Appendix B - Specimen Signatures: Specimen signatures of all account holders

6. Appendix C - Terms and Conditions: Bank's standard terms and conditions incorporated by reference

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions





































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Relevant Industries

Banking

Financial Services

Wealth Management

Private Banking

Retail Banking

Corporate Banking

Legal Services

Professional Services

Family Office Services

Trust Services

Relevant Teams

Legal

Compliance

Account Services

Customer Relations

Operations

Risk Management

Wealth Management

Corporate Banking

Retail Banking

Document Management

KYC Operations

Client Onboarding

Relevant Roles

Relationship Manager

Banking Officer

Compliance Officer

Legal Counsel

Account Manager

Private Banker

Branch Manager

Customer Service Representative

Operations Manager

Risk Manager

Wealth Manager

Trust Officer

Corporate Banking Manager

KYC Specialist

Document Management Officer

Industries







Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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