How do I add or share an account with another owner?

• Invite additional owners after your account is approved and opened.
• Invite up to five (5) additional owners per account.
• Send an invitation that expires in 7 days if not accepted.

• Additional owners, once approved, become full joint owners and may request a debit card (if available for the account). They cannot add POD beneficiaries, Invite additional owners, or access the funding widget during the application process.

   

1. Open your account
   Complete your application and wait for approval. We’ll let you know when your account is officially opened.
2. Go to "Invite Others"
   In your account dashboard, select the option to Invite another owner.

   

3. Enter the joint owners details
   Provide:
   • First name
   • Last name
   • Unique email address (cannot be shared with you or anyone else)

   • Mobile phone number (used for security notifications)

     

4. Send the invitation
   We’ll email the invited person a secure link to complete their part of the application.

   • Expiration: The link expires after 7 days. If it expires, you can send a new invitation.

     

5. Track progress

   • We’ll email you when the invited person starts their application.

     

   • We’ll email you again when they’re approved and added to the account—or if they’re declined.

Steps the invited owner will follow

• Select the link provided in the invitation email.

  

• Select accounts displayed under "Shared Applications".

  

• Submit the requested information for review.

• 7‑day invitation window: If an invite isn’t accepted in 7 days, it will automatically expire. Send a new invite anytime.
• Online banking credentials set?
  After the primary owner creates online banking credentials, inviting additional owners from the original application link is no longer available, and pending invitations cannot be canceled from that flow.
  • If you need to invite someone after you’ve set up online banking, or need help with a pending invitation, contact us and we’ll help.

• Invitation sent → We email the invited person a secure link.
• Invitee started → We notify the primary owner when the invitee begins.
• Approved & added → We notify the primary owner when the invitee is approved and added.
• Declined → We notify the primary owner if the invitee is declined.
• Invitation canceled → The invitee gets an email if the primary owner cancels (when available).
• Invitation expired → The invitee can no longer use the link after 7 days; the primary owner can send a new invitation.