How to remove a joint owner on a checking or savings account
Joint accounts belong equally to both the primary account holder and the joint owner. When the joint owners experience a relationship change or were married and now divorced, there are steps to be taken to ensure a financial separation.
Account holder change on checking and savings accounts
Joint owners who voluntarily wish to be removed from an account should visit a branch and sign paperwork to remove themselves from the joint accounts.
All Navigator debit cards and Personal Identification Numbers (PINs) will immediately become invalid. A new debit card and PIN will be mailed to you.
Please remember to provide your employer’s payroll department with your new account information for direct deposit to the new account.
On mortgages and loans
To remove a joint on major debts that were once held by the couple, the debt would need to be refinanced in the name of the new owner only. For example, mortgages and vehicle loans would need to be refinanced.
To remove a joint owner on a deposit account, please visit a Navigator branch to get started.