Do Robinhood, Coinbase, and Webull Offer Tenancy by the Entirety Accounts?

Webull appears to support tenancy by the entirety accounts through its Apex Clearing agreement, while Robinhood explicitly offers only JTWROS. Coinbase doesn’t support joint accounts at all.

This article is based on my review of account applications, customer agreements, and official documentation from Robinhood, Coinbase, and Webull, addressing tenancy by the entirety and joint account provisions.

My research revealed that newer fintech platforms have made vastly different decisions about joint account infrastructure, with Webull emerging as the surprising leader in account titling flexibility.

Robinhood: JTWROS Only, No TBE Option

Robinhood explicitly limits joint accounts to a single ownership type. The Robinhood Customer Agreement (revised January 22, 2026) states unambiguously:

“You understand that the only type of joint account ownership offered by Robinhood is Joint Accounts With Rights of Survivorship. You cannot open a Joint Account if either owner of the Joint Account is a resident of Louisiana. You further understand and agree that you are responsible for understanding state laws applicable to your account ownership, including how state laws impact the disposition of assets, and for ensuring that this ownership structure is valid in your state(s).”

The Robinhood support article “About Joint Investing” reinforces this: “The type of joint account we offer is Joint With Rights of Survivorship (JTWROS). With JTWROS, if one account holder passes away, the other account holder automatically gets full ownership of the joint account.”

Robinhood does not explicitly reject or disclaim TBE—they simply don’t offer it. The platform’s approach is to provide a single standardized joint account option rather than accommodate state-specific titling variations. This limitation affects married couples in the approximately 25 states that recognize TBE who would otherwise benefit from its creditor protection features.

Joint account types not available at Robinhood include tenancy by the entirety, tenants in common, and community property accounts.

Coinbase: No joint accounts of any kind

Coinbase takes the most restrictive approach—no joint accounts exist on the platform at all, making TBE a non-starter.

The Coinbase Help Center explicitly states: “While we don’t support joint Coinbase accounts or accounts in the name of trusts or similar entities on Coinbase.com, we do support linking joint bank accounts to a Coinbase account as a payment method.”

The Coinbase Financial Privacy Notice confirms: “What happens when I limit sharing for an account I hold jointly with someone else? We do not support joint Coinbase accounts.”

This one-account-per-customer policy is driven by KYC/AML compliance requirements. The User Agreement enforces that “Each customer may register only one Coinbase account.” While users can link joint bank accounts as a funding method, the Coinbase account itself remains solely owned by a single individual.

For estate planning, Coinbase handles deceased account holders through a fiduciary process rather than automatic transfer—assets don’t pass directly to a surviving spouse as they would with TBE or JTWROS accounts.

Webull: TBE Appears to be Supported through Apex Clearing

The most significant finding involves Webull, which explicitly references tenancy by the entirety in its customer agreements. The Webull Financial/Apex Clearing Corporation Customer Margin & Short Account Agreement states:

“In the case of Tenants by the Entirety accounts, joint action will be required for all matters concerning the joint account. Tenants by Entirety is not recognized in certain jurisdictions, and, where not expressly allowed, will not be a permitted designation of the account.“

This language indicates that TBE is a recognized account designation at Webull, requires joint action for all account matters (both spouses must consent), and is available where state law permits.

Webull launched joint accounts in the US market in December 2025, relatively recently. Webull offers “two different types of joint accounts,” typically JTWROS and tenants in common as standard options. However, the explicit TBE language in their clearing agreements suggests TBE may be available upon request in eligible states.

The key distinction is that TBE is not prominently marketed in Webull’s consumer-facing materials or help center. Users seeking TBE would likely need to contact Webull directly and specifically request this designation during the joint account application process.

Comparison table: joint account options

Feature	Robinhood	Coinbase	Webull
Joint accounts offered	Yes	No	Yes (Dec 2025)
TBE available	No	N/A	Likely yes (in agreements)
JTWROS available	Yes	N/A	Yes
Tenants in common	No	N/A	Yes
Community property	No	N/A	Unknown
TBE explicitly mentioned	No	No	Yes
Special request required	N/A	N/A	Likely for TBE

Why the Apex Clearing Connection Matters

Webull’s TBE availability likely stems from its relationship with Apex Clearing Corporation, a well-established clearing firm that services numerous brokerages. Apex’s infrastructure supports traditional account titling options, including TBE, unlike Robinhood, which uses its own affiliated clearing operations with more limited account structures.

This creates an interesting dynamic: fintech platforms that use traditional clearing firms may have access to more flexible account options than those that build proprietary infrastructure from scratch.

Practical implications for married couples

For couples in TBE-recognizing states seeking creditor protection benefits, the findings suggest clear guidance. Webull emerges as the only platform among these three where TBE appears achievable, though users should contact customer service directly at support@webull.com or 1-888-828-0618 to confirm TBE availability and the specific request process.

Robinhood’s JTWROS-only limitation means married couples lose the individual creditor protection that TBE provides—either spouse’s individual creditors could potentially reach JTWROS assets, whereas TBE assets are generally protected from individual debts in most recognizing states.

Coinbase’s complete absence of joint accounts makes it unsuitable for any joint ownership strategy, requiring couples to hold crypto assets in separate individual accounts without survivorship rights or creditor protections.