How does this offer work with joint accounts? 

Each member is eligible for only one (1) offer. If a member who has not previously received the offer, sets up an eligible direct deposit into a joint account that did not have direct deposit before the offer period, the joint account can receive 12 months of waived monthly chequing fees. 
The $300 cash reward will be paid only to the member who set up the eligible direct deposit. An additional direct deposit to the same joint account by another member will not qualify for additional cash rewards.