A tenants in common (TIC) account differs from JTWROS because in a TIC account:

a.A deceased owner's fractional interest passes to that owner's estate, not automatically to the co-owner
b.Both owners must have equal percentage interests
c.The account cannot hold securities
d.Only one owner may enter orders

Giải thích

In tenants in common, each owner holds a divided fractional interest, which need not be equal, and upon death that interest passes to the owner's estate rather than automatically to the surviving co-owner. JTWROS, by contrast, provides automatic survivorship to the surviving owner.

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