No, any party on a joint account may make this decision and it applies to all joint account owners.
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Freedom Credit Union will never contact you directly to request any of your personal or account information. If someone contacts you and requests this information, do not provide it. Hang up immediately and call us at 215-612-5900.
Likewise, if you receive an unexpected email or text message containing suspicious links, it is best to not click on any links and delete the message.