What is an “Access Letter” for jointly owned bank accounts?  Many times, people own a bank account jointly, which means that either person may be able to access the funds in the account. Sometimes, only one person on the account is buying a property, and they plan to use some of those funds to buy a home.  When this happens, the home financing lender may or may not request a letter from the other account holder(s) verifying that the person buying the home has full access to the account. If you have questions about whether this may affect your next home loan, let’s talk!