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today were talking about the differences between a joint owner and an authorized signer on a bank account fort myers market president tiffany williams is joining us to talk about it and tiffany if youre thinking about adding someone to a bank account its really important that you know the difference between these two absolutely we get this question a lot and whenever youre adding any individual a trusted individual to your bank account its important for us to educate you as to the big distinctions between what is actually a joint owner and what is an authorized signer so lets get go through it can you tell us what what the big and very important differences are yeah its so when were talking about an authorized signer the big difference here is that when youre adding someone to your account as an authorized signer that access to the account ceases at the owners death so if youre adding someone to help pay your bills we see a lot of times you know elderly individuals may want