Regulated savings products such as the Livret A and the Plan Epargne Logement are exclusively opened on an individual basis. They can have only one holder, in accordance with the regulations.

The joint account is distinguished by the principle of joint and several liability, whereby each co-holder can carry out routine transactions such as deposits, withdrawals, and transfers without the consent of the others. This is indicated by the account title with names linked by 'or'. However, bank cards remain in the individual holder's name.

In a joint tenancy account, joint and several liability does not exist by default but may be included in the banking agreement. This means each co-holder is liable only for their share unless otherwise stipulated.

On a joint account, the issuance of a bounced check by a co-holder results in a banking ban for all holders, unless a sole responsible party has been designated with the bank. This joint and several liability means that all debts are shared among the co-holders.

The joint account is suitable for couples managing shared expenses thanks to its flexibility, while the joint tenancy account is appropriate for co-heirs awaiting estate distribution due to its unanimity requirement.

The joint account remains open for the surviving holder(s), who retain the ability to use it normally. Under Article 753 of the General Tax Code, half of the balance on the date of death belongs to the deceased and is included in the estate assets.

A joint tenancy account requires unanimity for all debit transactions, as stipulated by Article 815-3 of the Civil Code. The account title indicates the names linked by 'and', symbolizing this requirement. This protects each co-owner against unilateral actions by the others.

Unilateral termination is only possible for a joint account. For a joint tenancy account, all decisions require the unanimity of the co-holders, including the closure or modification of the account.