How do I add a business signer?

When applying for a business account, you’ll first provide details for the business’s beneficial owners as part of the application.

Once your account is approved, you can easily add additional authorized signers by selecting the “Invite Authorized Signers” step in your To Do list. Each person you invite will receive a request to complete their own secure identity verification, ensuring a smooth and safe onboarding experience for everyone.

Who Gets Added and When

During Your Application

You’ll add Beneficial Owners as part of your application. These include:

• Co-founders
• Anyone who owns 25% or more of the business
• Anyone who controls company finances (for example, a CFO)

*When you use the “Add someone else to the account” option during this step, you are adding Beneficial Owners only (not Authorized Signers).

After Your Account Is Approved

You can add Authorized Signers after approval. These are individuals who will have full signing authority on the account.

To add them:

Step 3: View Invite Authorized Signers Screen- Lists all pending invites. Primary applicant can Cancel Invite, Copy Link, or click "Add someone else to the account."

Step 4: Send an Invite- Fill in First Name, Last Name, Email Address, Phone Number (must receive texts), Role at Business, and the debit card toggle (No/Yes). Click Send Invite.

If Someone Is Both a Beneficial Owner and an Authorized Signer

What happens next depends on how they were set up during your application:

• If marked as an Authorized Signer during the application:
  They are automatically included on the account after approval. No additional steps or invitations are required.
• If not marked as an Authorized Signer:
  You can still invite them after approval. They will need to complete a short application and identity verification before being added.

What the Invitee Will Experience

After you send the invite, the person can access their application in two ways:

• Through the email link you send
• By signing in and viewing their Shared Applications

They will then:

1. Verify their phone number using a secure code
2. Complete their application (basic personal and address details)
3. Go through identity verification to help keep your account secure

Once approved, they are added as an Authorized Signer.

Setting Up Online Banking Access

Your business will have one or more designated admins for online banking. These admins:

• Create usernames and passwords for Authorized Signers
• Manage who has access to the account

Authorized Signers do not set up access on their own—they’ll receive instructions after approval.

Notifications You’ll Receive

We’ll keep both you and your invitees informed along the way:

Invitees will receive emails when:

• They are invited
• Their application is approved
• An invite is canceled

You’ll receive updates when:

• An invitee starts their application
• An invitee is successfully added
• An invite cannot be completed

Frequently Asked Questions

Who do I add during the application?
You’ll add Beneficial Owners only.

When do I add Authorized Signers?
After your account is approved, using the “Invite Authorized Signers” step.

What if someone didn’t receive their invite?
You can copy and share the invitation link directly from your To Do list.

Can I cancel an invite?
Yes, you can cancel any pending invite at any time.

Will invited users need to verify their identity?
Yes—each person completes a secure verification process before being added.