Joint Checking Accounts

[billca42]

My wife and I have a joint checking account. Which of these should we do?

1. Use a share a single PayPal account that uses the joint checking account.
2. Use two PayPal accounts that both access the joint checking account.
3. Usw two PayPal accounts each with their own checking account.

• Right now, we're using #1, but I'm not sure how safe that is or if it's even allowed under the terms of service.
• #2 would be ideal, but I understand that PayPal doesn't allow this. (Why?)
• #3 I'm sure is allowed, but it's a bit of a pain in the butt. 

So, which shall it be?

[snowshoe]

It is possible to link one bank account to two PayPal Accounts however, this is not something you can do yourself.  You must contact customer support for assistance.  basically PayPal has to approve your request, not all requests are approved.  Sorry, don't what criteria you must meet as they don't seem to make that info available to the public.

Direct from the FAQs:

Can one bank account be used on two different PayPal accounts?

You can add a bank account to one PayPal account at a time. However, if approved, you may be able to add the bank to a second PayPal account. You will be informed when linking the bank to the second PayPal account if you have been approved.

If the above does not work out, then your last option (#3) would be your next choice.

https://www.paypal.com/webapps/helpcenter/helphub/article/?solutionId=1204948&m=SRE