Can I convert my individual account to a joint account without opening a new one?
Yes, you can convert your individual account into a joint account by inviting a joint owner through your online banking portal. There’s no need to open a new account—just follow the steps to add a joint owner.
Can I remove a joint owner from the account later?
No, joint owners cannot be removed from an account once added. The only option to remove a joint owner is to close the account entirely and open a new ones.
Can joint owners see each other’s personal information?
Joint owners can view shared account details such as transaction history, balances, and statements. However, personal information like Social Security numbers or identification documents submitted during the application process is not visible to other joint owners.
I sent the joint owner invite, what now?
Have the joint owner check their email and follow the steps to complete application.
Can a joint owner request any Quontic feature or additional service on the account?
Yes, joint owners have full access to the account and may use any services Quontic offers for that specific account. This includes requesting checks, debit/ATM cards, PayRing, and other available features. These services are accessible to both primary and joint account holders.
Can I add the joint owner as the beneficiary on the same account?
No, a joint owner cannot also be listed as a beneficiary on the same account. Joint owners have full access and control over the account, while beneficiaries are designated to receive funds only in the event of the account holder’s passing.