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Joint Account Contract

Joint Account Contract Template for Indonesia

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Key Requirements PROMPT example:

Joint Account Contract

"I need a Joint Account Contract for three family members (including one minor) to operate a savings account with Bank Mandiri, with specific provisions that any two adult account holders must jointly authorize transactions above IDR 50 million."

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Document background
The Joint Account Contract is essential for establishing and managing shared bank accounts in Indonesia, commonly used by families, business partners, or organizations requiring multiple signatories. This document is structured in accordance with Indonesian Banking Law and Financial Services Authority (OJK) regulations, providing a comprehensive framework for joint account operations. It details the rights and obligations of all parties, specifies operating instructions, addresses liability allocation, and includes necessary compliance requirements for Know Your Customer (KYC) and anti-money laundering regulations. The contract is particularly important in the Indonesian context, where joint accounts may need to accommodate both conventional and Islamic banking principles, and must align with local banking practices and consumer protection requirements.
Suggested Sections

1. Parties: Identification of all joint account holders and the bank

2. Background: Context for the agreement and purpose of the joint account

3. Definitions: Definitions of key terms used throughout the agreement

4. Account Type and Nature: Specification of account type (savings/current) and operational nature (joint OR/AND account)

5. Rights and Obligations of Account Holders: Detailed rights and responsibilities of each joint account holder

6. Operating Instructions: Rules for operating the account, including signing authorities and transaction limits

7. Bank's Rights and Obligations: The bank's responsibilities and rights in managing the joint account

8. Fees and Charges: Details of all applicable fees, charges, and minimum balance requirements

9. Account Statements and Communications: Provisions for account statements, notifications, and communications

10. Death or Incapacity: Procedures in case of death or incapacity of any account holder

11. Termination: Conditions and procedures for account closure or termination

12. Governing Law and Jurisdiction: Specification of Indonesian law as governing law and jurisdiction for disputes

Optional Sections

1. Shariah Compliance: Required for Islamic banking joint accounts, specifying compliance with Islamic banking principles

2. Special Instructions: For accounts requiring specific operating conditions or restrictions

3. Internet Banking Services: Terms for online banking access and digital services

4. Foreign Currency Provisions: Required for foreign currency joint accounts

5. Minor Account Holder: Special provisions if one of the account holders is a minor

6. Power of Attorney: Terms for appointing and operating through an attorney

7. Dispute Resolution: Alternative dispute resolution mechanisms beyond court jurisdiction

Suggested Schedules

1. Schedule 1 - Account Opening Form: Standard form for collecting account holder information and KYC documents

2. Schedule 2 - Specimen Signatures: Signature specimens of all account holders

3. Schedule 3 - Fee Schedule: Detailed breakdown of all applicable fees and charges

4. Schedule 4 - Operating Instructions Form: Detailed form specifying signing authorities and transaction limits

5. Schedule 5 - Required Documents: List of required documentation for account opening and KYC compliance

6. Appendix A - Terms for Digital Banking Services: Detailed terms for internet and mobile banking services

7. Appendix B - Privacy Policy: Bank's privacy policy and data protection provisions

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok成人版 | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions






































Clauses

































Relevant Industries

Banking

Financial Services

Islamic Banking

Retail Banking

Corporate Banking

Legal Services

Financial Technology

Wealth Management

Insurance

Relevant Teams

Legal

Compliance

Operations

Customer Service

Risk Management

Product Development

Account Management

Documentation

Regulatory Affairs

Front Office

Back Office

Quality Assurance

Relevant Roles

Bank Branch Manager

Account Relationship Manager

Compliance Officer

Legal Counsel

Banking Operations Manager

Customer Service Manager

Risk Management Officer

Product Development Manager

Financial Services Consultant

KYC Officer

Banking Operations Supervisor

Account Opening Officer

Legal Documentation Specialist

Regulatory Compliance Manager

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks, 聽Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination, 聽Severance Pay, Governing Law, Entire Agreemen

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