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The distribution of loads between the components of a structural assembly depends not only on their dimensions and material properties but also on the stiffness of fasteners connecting the components. So, the accuracy of the finite element analysis is influenced much by the fastener representation in the model. This paper describes an approach designed specifically for joints with connected plates modeled by shell elements located at plates mid planes. The procedure is based on definition of independent components of a fastener joint flexibility, analysis of each component, and their assembly to represent a complete plate-fastener system of the joint. The proposed modeling technique differs from the traditional approach where all the connected plates are modeled coplanar. The traditional approach is based on calculating a single spring rate for a particular combination of fastener and plate properties.