With a joint account, you get an extra layer of deposit insurance against bank failure. The Federal Deposit Insurance Corp.

The routing number proves that the bank is a federal- or state-chartered institution and maintains an account with the Federal Reserve. ABA routing numbers were once used with paper checks ...

In a message to USA TODAY, the TikTok user claimed only "some" Social Security cards are tied to a Federal Reserve Bank ... Security number, and that individuals can access these accounts ...