<prompt> Human: We are not sure about the switch but they have 1 opening charges and you are then a member of the credit union.  <response>: Maybe. You want to be aware of what can happen here. Anybody with access to joint account can take everything out of it at any time. You wouldnt have any special rights to it.It probably makes more sense to do that only with a small portion of your income assets, assuming you are not married. 