There is a difference in the HEAD of the Account and operational instructions.
The Head of the account may be in several names or in some other name, but operational instructions with specimen signature should state whether
funds are to be withdrawn with Joint Signatures, either anyone or survivor.
The pension account is opened in joint names for convenience in case of death of a pensioner, as the wife may find a problem in operation etc. It is the pensioner's right to direct his banker as he wishes.
Maintenance is a separate issue not connected with the operation of the bank account.