What if the joint owner’s application is declined? Elsa E January 18, 2018 23:17 Follow If the joint owner’s application is declined, they will not be able to reapply at this time. Have more questions? Submit a request Comments Related articles Is the application for the joint owner different from the first owner? How can I deposit money into my Summit Account? ATM fees Schedule of Fees I accidentally invited the wrong person to be a joint owner on my Summit account. What do I do?