There are universities in the USA that Nigerians can apply to with their Higher National Diploma (HND) without going through WES evaluation for their transcripts.
Sometimes more than one person needs or wants to have access to the same funds. In these cases, it makes sense to open a joint account. A joint account is simply a bank account with more than one.
Remember back at the altar when you said "for richer or poorer" to your soulmate? You and your better half should keep that promise in mind before you head to the bank to open a joint bank account.