An account holder is a person or entity that has an active bank, investment, or credit account. This term refers to someone who has established and maintains a financial relationship with a particular institution by depositing money into their account, keeping funds in savings or checking accounts, or borrowing money through loans or lines of credit. The account holder is responsible for managing the account, including making deposits, withdrawals, payments, and transfers as well as monitoring the balance and activity to ensure its accuracy and security.