Ellen’s daughter Morgan is leaving for college soon. Ellen suggests they open a new joint checking account, so she can easily transfer money into the account to help with Morgan’s living expenses while she’s away. She goes to her bank's website to research accounts and selects a joint checking account with no minimum balance requirement.
Ellen is an existing customer of the bank and is thrilled to see that her personal information is already populated, making the process quick and painless.
She adds Morgan as the joint account holder but realizes she doesn’t have all of Morgan’s personal information on hand. She enters Morgan’s email, so she can input her own information.
Morgan receives an email invite for the joint account she and her mom discussed. Perfect timing. She’s on her break at work, so she grabs her driver’s license and completes the application.
Once Morgan has completed the application, Ellen takes out a check she’s had in her wallet for some time and scans it to fund the account.
In a matter of minutes, Ellen and Morgan have opened a new joint account that they can individually access through their own digital banking.
Morgan decides she’d also like to open a new savings account. She trusts her mom’s recommendation and decides to get fully established with the same bank.