Which banks offer "Joint-All" instead of "Joint-Or" account?

I believe you are referring to "Joint-All" and "Joint-Alternate".

Most banks offer both accounts to open.

The difference between these accounts:

• Joint-All: Any transaction in the account must be acknowledged by both account holders.

• Joint-Alternate: Both you and your partner can make transactions individually. Unlike a Joint-All account, one party can make a transaction independently without requiring the permission or acknowledgement of the other party.

Most banks should have both options. Just have to decide during the account opening process to fix the type.