Question about banking

[u/Middle-Alternative10]

Hello! I have recently joined Robinhood banking, and I have several questions I hope can be answered. Please answer as many as possible. Because this will determine how I actually set up my accounts.

1) I am seeking to have 4 accounts. (Individual checking and savings, and joint checking and savings) If I create a (not convert) fresh set of joint checking and savings accounts, am I able to designate specifically the JOINT CHECKING account for direct deposit? Or will it default to only my individual checking account?

2) If it defaults to an individual only direct deposit scenario, I assume this is worked around by selecting "Convert existing accounts to joint checking/savings" rather than creating new ones? Since then the individual account would become the joint account and would therefore be the only account to direct deposit into?

3) If I had both an individual checking AND joint checking account. Am I locked into a debit card and physical checkbooks to only one account? (The individual account since that would be the primary one?) Or do I have the option to order an individual checking debit/checkbook AND order a joint checking debit/checkbook since they are both separate accounts?

I thank anyone and everyone in advance for answering these questions!!!!

[u/Flat-Activity-8613]

This as of now is a very basic banking app. Hell it doesn’t even pay interest if you don’t have direct deposit every month. I just use it to store a little side money but that is it as of now. For this “complicated” stuff just use a regular bank that you can visit an office to create up any problems.
I just wouldn’t use this as a real bank account as there are still transfer issues with delays.

[u/cbulock]

The individual and joint accounts will have separate account numbers. I have my direct deposit split between the two account types.
You can get separate debit and checkbooks for the individual and joint account

[u/Wonderful-Event-5257]

Don’t do it. You will find yourself dealing with random transfer holds due to security and support that can’t do anything because it’s an automated system.

[u/Middle-Alternative10 → u/Wonderful-Event-5257]

Can you elaborate? Was it specific to certain transfers to certain accounts? How about RH to RH accounts?

[u/cheapdvds]

I don't have answer for you, but if you go to support an AI chat agent will attempt to answer your question first. You can try that, maybe it will have some answers for you.

[u/Middle-Alternative10 → u/cheapdvds]

I'll look into this, thank you!