{"id":84,"date":"2025-01-13T00:00:00","date_gmt":"2025-01-12T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/09\/29\/le-compte-joint\/"},"modified":"2025-01-13T18:33:01","modified_gmt":"2025-01-13T16:33:01","slug":"compte-joint","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/compte-joint\/","title":{"rendered":"Le compte joint"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Le compte joint est ouvert par 2 personnes ou plus (cotitulaires) pour faciliter la gestion des d\u00e9penses communes. Il est souvent utilis\u00e9 par des couples (concubins, pacs\u00e9s, mari\u00e9s), par une fratrie ou parfois par des colocataires\u2026 Chaque banque en fixe les conditions de fonctionnement (nombre maximal de cotitulaires par exemple\u2026). Chaque cotitulaire est responsable notamment en cas de solde d\u00e9biteur, de ch\u00e8que sans provision\u2026 avec des cons\u00e9quences graves en cas de m\u00e9sentente. Compte tenu de ses particularit\u00e9s, il est important de bien en comprendre le fonctionnement.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/vignette-guide-compte-joint.png\" alt=\"vignette-guide-compte-joint\" class=\"wp-image-34035\" width=\"365\" height=\"516\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/vignette-guide-compte-joint.png 486w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/vignette-guide-compte-joint-212x300.png 212w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/vignette-guide-compte-joint-57x80.png 57w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/vignette-guide-compte-joint-332x470.png 332w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/vignette-guide-compte-joint-177x250.png 177w, https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/vignette-guide-compte-joint-35x50.png 35w\" sizes=\"auto, (max-width: 365px) 100vw, 365px\" \/><\/figure><\/div>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Guide-18-Le-compte-joint<\/p><p class=\"postAttachment__fileSize\">128,3 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Guide-18-Le-compte-joint&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Guide-18-Le-compte-joint\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/02\/Guide-18-Le-compte-joint.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Guide-18-Le-compte-joint<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\">Qu\u2019est-ce qu'un compte joint ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C\u2019est un compte collectif o\u00f9 chaque cotitulaire :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>peut faire des op\u00e9rations seul <\/strong>(sous sa seule signature), au d\u00e9bit comme au cr\u00e9dit, donc sans intervention d\u2019autre(s) cotitulaire(s) ;<\/li><li><strong>est solidairement responsable<\/strong> pour le montant total du solde d\u00e9biteur, m\u00eame s\u2019il n\u2019en est pas \u00e0 l\u2019origine.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les comptes bancaires, <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/epargne-reglementee-ou-non-quelles-differences\/\" target=\"_blank\" rel=\"noreferrer noopener\">les comptes ou livrets d\u2019\u00e9pargne non r\u00e9glement\u00e9e<\/a>, les <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-compte-titres\/\" target=\"_blank\" rel=\"noreferrer noopener\">comptes-titres<\/a> et les <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/compte-a-terme-cat\/\" target=\"_blank\" rel=\"noreferrer noopener\">comptes \u00e0 terme<\/a><\/strong> peuvent \u00eatre ouverts sous forme de compte joint, si votre \u00e9tablissement le permet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le compte joint ne doit pas \u00eatre confondu avec le compte indivis. Ce dernier est aussi un compte collectif mais il n\u00e9cessite l\u2019accord de tous les cotitulaires pour chaque op\u00e9ration : toutes les d\u00e9cisions (retrait, paiement, virement, <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/la-procuration-sur-compte-bancaire\/\" target=\"_blank\" rel=\"noreferrer noopener\">procuration<\/a>\u2026) doivent \u00eatre prises conjointement. Ce fonctionnement offre davantage de contr\u00f4le.<\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Les comptes d\u2019\u00e9pargne r\u00e9glement\u00e9e, tels que le Compte et le <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pel-plan-epargne-logement\/\" target=\"_blank\" rel=\"noreferrer noopener\">Plan d\u2019\u00c9pargne Logement (PEL)<\/a>, le <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/lep-livret-epargne-populaire\/\" target=\"_blank\" rel=\"noreferrer noopener\">Livret d\u2019\u00c9pargne Populaire (LEP)<\/a>, le <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-ldds-livret-de-developpement-durable-et-solidaire\/\" target=\"_blank\" rel=\"noreferrer noopener\">Livret de D\u00e9veloppement Durable et Solidaire (LDDS)<\/a>, le <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-livret-a\/\" target=\"_blank\" rel=\"noreferrer noopener\">Livret A<\/a> et le <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-livret-jeune\/\" target=\"_blank\" rel=\"noreferrer noopener\">Livret jeune<\/a>, ainsi que les <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-pea-plan-epargne-en-actions\/\" target=\"_blank\" rel=\"noreferrer noopener\">Plans d\u2019\u00c9pargne en Actions (PEA<\/a> et <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pea-pme\/\" target=\"_blank\" rel=\"noreferrer noopener\">PEA PME-ETI<\/a>), sont ouverts uniquement \u00e0 titre individuel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment ouvrir un compte joint ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les documents \u00e0 fournir <\/strong>pour l\u2019<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/demander-une-ouverture-de-compte\/\" target=\"_blank\" rel=\"noreferrer noopener\">ouverture d\u2019un compte<\/a> joint sont les m\u00eames que pour un compte individuel. Pour chacun des cotitulaires, il faut au minimum en g\u00e9n\u00e9ral :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>pi\u00e8ce d\u2019identit\u00e9 officielle portant une photographie ;<\/strong><\/li><li><strong>justificatif de domicile ;<\/strong><\/li><li><strong>sp\u00e9cimen de signature.<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La banque peut vous demander d\u2019autres documents ou informations. Chaque cotitulaire doit <strong>signer <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-contenu-de-la-convention-de-compte\/\" target=\"_blank\" rel=\"noreferrer noopener\">la convention de compte<\/a><\/strong> qui stipule l\u2019ensemble des conditions de fonctionnement et de cl\u00f4ture du compte.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le service d\u2019aide \u00e0 la mobilit\u00e9 bancaire<\/strong> (transfert automatis\u00e9 des op\u00e9rations r\u00e9currentes d\u2019un ancien compte vers un nouveau) est possible d\u2019un compte :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>joint vers un compte joint si tous les titulaires sont les m\u00eames ;<\/li><li>individuel vers un compte joint si le titulaire du compte<\/li><li>individuel est l\u2019un des titulaires du compte joint.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus d\u2019informations dans notre guide d\u00e9di\u00e9 \u00ab <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/changer-de-banque-le-guide-de-la-mobilite\/\" target=\"_blank\" rel=\"noreferrer noopener\">Changer de banque, le guide de la mobilit\u00e9<\/a> \u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment fonctionne un compte joint ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il fonctionne sous l\u2019intitul\u00e9 \u00ab<strong> X ou Y<\/strong> \u00bb car <strong>la signature d\u2019un seul cotitulaire est suffisante<\/strong>. Ainsi, m\u00eame si le compte est aliment\u00e9 par un seul cotitulaire, chacun peut, sans l\u2019accord de l\u2019autre, \u00e0 chaque op\u00e9ration, exactement comme s\u2019il \u00e9tait seul titulaire :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>retirer ou d\u00e9poser de l\u2019argent ;<\/li><li>\u00e9mettre des ch\u00e8ques ;<\/li><li>faire des virements ou autoriser des pr\u00e9l\u00e8vements ;<\/li><li>payer par carte ;<\/li><li>faire opposition\u2026<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e8gles pr\u00e9cises de fonctionnement figurent dans votre convention de compte. Une procuration peut par exemple \u00eatre consentie sur un compte joint. V\u00e9rifiez les modalit\u00e9s ou renseignez-vous aupr\u00e8s de votre \u00e9tablissement bancaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque cotitulaire peut demander une carte (sous r\u00e9serve d\u2019acceptation de la banque). <strong>La carte de paiement est toujours personnelle<\/strong>, avec un seul nom. Pour autant, et comme pour toutes les op\u00e9rations, <strong>le cotitulaire est solidairement responsable du paiement des op\u00e9rations effectu\u00e9es avec la carte.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si la banque l\u2019accepte, vous pouvez aussi disposer d\u2019un ch\u00e9quier. D\u00e8s lors, chacun peut \u00e9mettre des ch\u00e8ques avec sa seule signature.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Lire la suite du guide \"Le compte joint\" :<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>Qui est responsable des dettes et des incidents ?<\/li><li>Comment sortir d\u2019un compte joint ?<\/li><li>Que se passe-t-il en cas de d\u00e9c\u00e8s d\u2019un des cotitulaires ?<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link\" href=\"https:\/\/fr.calameo.com\/read\/002024705b7ccf68ed23f\" target=\"_blank\" rel=\"noreferrer noopener\">Feuilleter le guide<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\"><strong>Vous \u00eates travailleur social ? <\/strong>Nous vous proposons ce flyer (\u00e0 imprimer par vos soins) pour remettre aux publics que vous accompagnez. Il pr\u00e9sente rapidement le sujet et contient un QR code permettant d'aller consulter le guide en ligne.<\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">FLYER-compte-joint<\/p><p class=\"postAttachment__fileSize\">1,4 Mo<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;FLYER-compte-joint&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"FLYER-compte-joint\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/01\/FLYER-compte-joint.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger FLYER-compte-joint<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Autres guides                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Autres guides<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"publications\"><div class=\"publications__inner\"><article 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data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-droit-au-compte\/\"\n         data-title=\"Le droit au compte\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">3 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Le droit au compte\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-droit-au-compte\/\">\n                Le droit au compte            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">En France, plus de 99% de la population poss\u00e8de au moins un compte bancaire. Et parce que tout le monde a besoin d\u2019avoir un compte bancaire pour percevoir un salaire, payer...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #f9ae41\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:405,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-10-cles-gerer-mon-compte\/&quot;,&quot;title&quot;:&quot;10 cl\u00e9s pour g\u00e9rer mon compte bancaire&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:110}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"405\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-10-cles-gerer-mon-compte\/\"\n         data-title=\"10 cl\u00e9s pour g\u00e9rer mon compte bancaire\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"10 cl\u00e9s pour g\u00e9rer mon compte bancaire\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-10-cles-gerer-mon-compte\/\">\n                10 cl\u00e9s pour g\u00e9rer mon compte bancaire            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Pour g\u00e9rer au mieux votre compte bancaire et ainsi \u00e9viter les incidents, quelques r\u00e8gles simples s&#039;imposent. En agence ou \u00e0 distance, votre banquier est disponible pour r\u00e9pondre...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication publication--extract\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:499,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/que-devient-largent-des-comptes-inactifs\/&quot;,&quot;title&quot;:&quot;Que devient l\\u0027argent des comptes inactifs ?&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:35}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"499\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/que-devient-largent-des-comptes-inactifs\/\"\n         data-title=\"Que devient l&#039;argent des comptes inactifs ?\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Que devient l&#039;argent des comptes inactifs ?\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/que-devient-largent-des-comptes-inactifs\/\">\n                Que devient l&#039;argent des comptes inactifs ?            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Ce mini-guide explique comment des comptes deviennent inactifs et ce que devient l\u2019argent d\u00e9pos\u00e9 sur ces comptes.Depuis janvier 2016, avec la loi dite \u00ab Eckert \u00bb, les d\u00e9marches...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #f9ae41\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:8089,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/linformation-sur-les-tarifs-bancaires\/&quot;,&quot;title&quot;:&quot;L\\u0027information sur les tarifs bancaires&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:24}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"8089\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/linformation-sur-les-tarifs-bancaires\/\"\n         data-title=\"L&#039;information sur les tarifs bancaires\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"L&#039;information sur les tarifs bancaires\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/linformation-sur-les-tarifs-bancaires\/\">\n                L&#039;information sur les tarifs bancaires            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">C&#039;est bien s\u00fbr au moment de choisir sa banque et d&#039;ouvrir un compte qu&#039;on est le plus souvent attentif aux tarifs bancaires. S&#039;il est important de suivre l&#039;\u00e9volution de ces...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <\/div><\/div>\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 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      <p class=\"card__time\">7 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/frais-bancaires-tarifs\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/connaitre-tarifs-bancaires-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/connaitre-tarifs-bancaires-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/connaitre-tarifs-bancaires-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/connaitre-tarifs-bancaires-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Choisir sa banque<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Frais bancaires et tarifs : comment les suivre, comprendre et comparer...<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" 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Il est souvent utilis\u00e9 par des couples (concubins, pacs\u00e9s, mari\u00e9s), par une fratrie ou parfois par des colocataires\u2026 Chaque banque en fixe les conditions de fonctionnement (nombre maximal de cotitulaires par exemple\u2026). Chaque cotitulaire est responsable notamment [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":56,"views":42320,"viewed_at":"1778494728","newsletter":"0","_yoast_wpseo_primary_category":6,"footnotes":""},"categories":[40,6,4],"tags":[],"class_list":["post-84","post","type-post","status-publish","format-standard","hentry","category-compte","category-guides-bancaires","category-boite-a-outils"],"yoast_head":"<title>Le compte joint - Guides bancaires - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Pratique pour r\u00e9gler les d\u00e9penses communes, le compte joint est parfois adopt\u00e9 par les couples, les colocs etc. Comment l&#039;utiliser au mieux ?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/compte-joint\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le compte joint - 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