@Original Bonecrusher, that is an excellent question. Yes, you may open a second individual that only you have access to and are able to view. The current joint account holder would need to have their own login information to ensure they are not able to access your individual account information. Each unique logon allows each member to view only the accounts in which they are listed. You may open a new savings account online by selecting Products, then Savings account. You may also contact USAA by phone at 800-531-8722 to open the account as well.