Is the joint applicant the same as a beneficiary?

No, a joint applicant is not the same as a beneficiary. When you invite someone to be a joint owner, they receive full access to the account, including the ability to make transactions, request account features, and view statements. A beneficiary, on the other hand, does not have access to the account during your lifetime […]

How do I send my joint owner an invitation?

Once your account is open, you can invite a joint owner by following these steps: This process applies whether you’re a new applicant or an existing Quontic customer.”