Can't open accounts via internet banking



I tried to open a Rapid Save account unsuccessfully via internet banking. Rang the call centre and they said it was because my current accounts in internet banking are joint accounts and I needed to visit a branch and update signing authority. I would have been happy to open the account in my name but that option wasn’t available - account owner defaulted to joint owner and I couldn’t change it. My understanding is that my access ID is related to me as an individual so why can’t I open accounts as an individual. Ended up opening a similar account online with Westpac in my own name where my other accounts are all joint accounts with no problem.