Both account owners have equal access to all of the funds in the Joint Checking and Joint Savings accounts, and equal ownership rights over these assets.
For security purposes, each user has their own unique account numbers and debit card numbers, and they transact from the same balance.
Both users names will be printed on any physical checks.
Each user has a unique login and password, and can manage their personal information, account settings and documents independently.
If both users have individual and joint accounts, each joint account holder has the option to set a monthly Pay What Is Fair (PWIF) amount. The PWIF amount set by each account holder will then be deducted from the account each month. If a user only has a joint account (invited by a current member and never set-up an individual account), they will not be able to set a monthly PWIF amount.
Only one user needs to pay for GreenFi Plus for both users to receive Plus benefits on their Joint Savings Account.
Only one user needs a qualifying direct deposit OR $500 of monthly qualified debit card spending across both users' activity for both users to qualify for promotional Annual Percentage Yield (APY) for their Joint Savings Account.
Only one user requesting to close the account will close the Joint Checking and Savings Accounts for both users.
For Joint Accounts opened on or after August 2026, account holders may have both joint and separate individual checking & savings accounts. For Joint Accounts opened prior to 2026, at this time, there is no option to create a separate set of individual accounts. Existing individual accounts cannot be joined.
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