**Separate logins are available at other banks, so switching could give you a better experience.** The exact answer depends on your bank and country.

There are two things to check:

- **Your status as an account holder.** Ask the bank to confirm that you are recorded as a joint owner. Having permission to access someone’s account is a different arrangement. The order of names on paperwork alone doesn’t establish your status: for example, Nationwide sends some correspondence to the first named holder while both holders own and can operate the account. [Nationwide’s joint account guidance](https://www.nationwide.co.uk/current-accounts/help/get-joint-current-account)
- **Your personal online access.** Some banks explicitly support each holder accessing the joint account through their own banking profile. For example, Nationwide says both joint savings account holders can manage the account through their own online banking. [Nationwide’s joint savings guidance](https://www.nationwide.co.uk/savings/help/joint-savings-accounts)

Being greeted by his name makes sense when you’re using his login: the system is identifying him. The bank’s claim that you must share that login deserves checking with its online banking support team.

You could ask: “Please confirm that I’m a joint account holder and explain how I register for online banking using my own identity and security details.”

Before switching, ask the prospective bank to confirm separate logins, individual security and recovery details, and whether both phones can receive alerts. Text banking may have its own limitations.

Which bank and country is this? That would let me check whether you’ve been given accurate instructions.