An account holder is the person whose name is on a bank account or credit card account. They are the ones who sign the contract for the account with the bank and are the owner of the money it contains. An account holder can be an individual or a group of people who share a single account, known as joint account holders. Joint account holders are able to make monetary transactions with the account and are liable for any payments that need to be made. In addition to bank accounts, the term "account holder" can also refer to individuals who register accounts with various companies or websites, even if money is not involved. The account name refers to the name of the account holder, whether its an individual or a business.