**One name appearing first is normal; having to use that person’s login is not an inherent feature of a joint account.** Another bank can provide a different experience.

There are two separate issues:

- **Ownership:** A joint account should make you both account holders. A bank may designate someone as “primary” for correspondence or administration without giving them greater ownership rights. Chase, for example, says each joint owner has complete control over the funds. [Chase’s joint-owner FAQ](https://www.chase.com/personal/personal-account/faqs/joint-owner)
- **Online access:** This depends on the bank’s systems. Separate access is available—for example, Nationwide explicitly says both holders of a joint savings account can manage it through their own online banking. [Nationwide’s joint accounts](https://www.nationwide.co.uk/savings/help/joint-savings-accounts)

The greeting you see is probably tied to **his online banking profile**, so it doesn’t establish whose account it legally is. But the requirement to answer his security questions warrants checking the setup.

Ask the bank to confirm: **“Am I recorded as a joint owner, or merely authorised to access his account? Can I register online banking under my own customer identity, with my own security questions and phone number?”** If they repeat that separate logins are impossible, ask them to confirm that policy in writing.

Before switching, have the prospective bank confirm separate logins, independent security and verification details, and any limits on text banking. Your country and bank would determine the precise rules, but you do not have to assume this experience is universal.