An account holder is an individual or entity that owns a financial account, such as a bank account or investment account. This person has the right to access and manage the funds or assets within the account. Account holders are typically required to provide personal information and identification when opening an account. Account holders may have various responsibilities, including maintaining a minimum balance, paying fees, and ensuring that transactions comply with regulations. They can also benefit from services like online banking, debit cards, and interest earnings, depending on the type of account they hold with the financial institution, such as a bank or credit union.