How do I share a savings account with my co owner

You name a beneficiary. This support article explains the steps.

Add or remove a beneficiary for your Savings account

When you open a Savings account, you may choose to add beneficiaries. You can add or manage your beneficiaries at any time by contacting a Savings Account Specialist.

To speak with a Savings Account Specialist:

1. On your iPhone, open the Wallet app and tap Apple Card.
2. Tap Savings account.
3. Tap the More button , then tap Account Details.
4. Scroll down and tap Account Information, then tap Manage Beneficiaries.
5. Tap the support number to speak with a Savings Account Specialist.

View and update your Savings account information in Apple Wallet - Apple Support

I totally agree. Even by being able to add the beneficiary, as Jeff Donald shows below, why would I require my grieving spouse to have to go through a process to get what is ultimately our shared money? I doubt it's just a flip of the switch. I will be sticking with my other high-yield savings account for anything beyond moving over my daily cash, which is .18% lower than Apple until this is ironed out. It really seems crazy not to have enabled a joint option out of the gate or by now.

Update. I did find this article, which I'd want to verify: By assigning a beneficiary, your Apple Savings account becomes a “payable-on-death” (POD) account, which means that the funds will transfer directly to your chosen beneficiary upon your death, bypassing the time-consuming and costly probate process. This feature not only simplifies estate planning, but also ensures that your loved ones have immediate access to the funds when they need them most.

Currently, a joint or co-owned savings account is not available. Each co-owner of an Apple Card account may each apply for a separate Apple Savings account. This may be an option in the future, but no word yet.

I was just getting ready to reply to your earlier post and explain how a named beneficiary (POD) is the easiest way to establish ownership and transfer the funds.