If you are confident in sharing the full access with your spouse or your children, you can keep the mode of operation of the account as 'either or survivor' if two people are involved and 'anyone or survivor if more than two people are involved.

Anyone (Or) Survivor – This is similar to “either or survivor” option. The only difference is, more than two individuals can operate the account. If you want your father, mother and spouse to be able to access and operate your bank account then this is the best option.