Do both joint checking account owners need to approve actions in the account?

Actions do not require consent from both account owners. Either user can close the account, make deposits, withdrawals, and transfers, changes to the connected checking account, and beneficiary changes.

Please note that both account owners will have a separate login through which they can connect their own funding account to Joint Checking and detail their own beneficiaries. To learn more about beneficiaries please see the FAQ question “How is it different than just having a beneficiary?”