Answer: Probably not.
The only way you can take a joint account holder's name off the account without permission is if your original contract with the bank specifically allows this—but most contracts don't and yours probably doesn't.
Instead, you'll have to reach out to a user who's verified on that bank account to add or remove other users. Users can't remove themselves from a bank account.
In order to retitle an account, the bank will typically require documentation such as a marriage certificate, trust certificate, or divorce decree. Once the account is retitled, the account holders will continue to have the same rights and responsibilities as before, but with their new names on the account.
In general, you need your spouse's consent to remove them from a joint account.
Contact your bank to be sure of their policies for removing an account holder—while some banks allow this, others require the entire account to be closed. You may also need to supply the written permission of the other account holder to remove yourself.
You need to go to respective branch where ur account belongs. Collect joint account form and on that form you will get all documents list which is required. Mainly self attested I'd proof,address proof,pan card, marriage certificate,2–3 passport size photo and passbook.
It's also possible to remove yourself from a joint bank account without closing it. All account holders need to agree to any changes in the account's ownership. You may both need to be present at a bank to request these changes.
Couples who established bank accounts after the marriage began must divide these accounts equally when seeking divorce. Specific accounts that contain marital funds are the marital property of both parties. The name on the account is not important when it comes to deciding who “owns” the account for divorce purposes.
You can't switch a joint account into a sole account until the second party has been removed from the account.
An authorized signer is a person who has been given permission by the account's owner to access a bank account. They do not have any ownership of the funds in the account. However, they possess many of the same abilities as an owner.
The CFPB says that under most state laws or bank rules, you usually cannot remove the joint account holder without the other person's consent. One advantage to having a joint account at the same bank as your parent is the ease with which they can transfer money from their account to yours.
Adding a joint owner to your account is fairly easy; removing them could be a nightmare. If your child is added to your account and you later decide to want them removed, you have to get them to agree and sign to remove them as a joint account holder.
Whenever two people are joint owners in a bank account, each has an equal right to the funds contained therein. This means that either owner would be allowed to empty the account at any time, regardless of which person deposited the funds.
Anything done without permission is a breach of the law.
Joint Bank Account Rules: Who Owns What? All joint bank accounts have two or more owners. Each owner has the full right to withdraw, deposit, and otherwise manage the account's funds. While some banks may label one person as the primary account holder, that doesn't change the fact everyone owns everything—together.
When changing a joint account to single ownership, it is recommended that the joint account be closed (with both parties present to authorize the closure). If you wish to have a name removed without closing the account, both joint account holders must visit the branch to sign new documentation.
Visit the nearest branch of your bank.
Most banks require you to request the removal of someone from an account in-person. You don't usually have to go with the other person or people on the account if you just want to remove yourself.
Most joint bank or credit union accounts are held with “rights of survivorship.” This means that when one account owner dies, the money passes to the surviving owner, or equally to the rest of the owners if there are multiple people on the account.
While most banks won't let you remove the other joint account holder without their permission, many will allow you to remove yourself. Your bank can walk you through removing yourself from a joint bank account. You may need to submit a written request or go in person for a scheduled appointment.
How do you change a joint account to single? Most financial institutions don't allow you to separate or change a joint account to a single owner. You will likely need to open your own separate bank account and close the joint one.
For updating a name, you'll need to bring one of the following: marriage certificate, divorce decree indicating name change, court order of name change or adoption certificate. When adding an owner, all account owners will need to be present at the appointment and bring a valid government-issued photo ID.
In terms of how to remove yourself from a joint bank account, some banks will allow one party to exit, often with the other person's consent. Other banks, however, may require the account to be closed in full, rather than remove a single account holder.