[theshrike79]

Basically an account can have either one owner and one person with a permission to access it OR it can be co-owned.

If you just have the access permission and the main owner is incapacitated or dead, your access is not valid anymore and it's a huge hassle to get access to the funds.

You want the co-owned style where both have equal rights to the funds on the account. The easiest way to check it is just to contact your bank and make sure it's set up that way the exact terminology seems to vary a bit between banks.