Onboarding Joint Tenancy
Effortless onboarding with built-in KYC and underwriting.
Use the PCE APIs to onboard Joint Tenancy customers.
Joint Tenancy accounts offer shared ownership of a single consumer banking account, allowing two individuals to manage funds together. This setup brings flexibility and convenience to users who wish to handle their finances collaboratively — whether as partners, family members, or caregivers.
Each joint account holder has equal access to the account. Both individuals can deposit, withdraw, and oversee funds independently, while also sharing full legal rights and responsibilities tied to the account.
This feature is ideal for scenarios such as couples managing shared expenses, adult children assisting elderly parents, or parents guiding their children’s savings. With Joint Tenancy, account management becomes simpler, more transparent, and tailored to real-life needs.
- Primary Owner: The individual who opens the joint account and receives all account-related communications.
- Co-Owner: An additional account holder added by the primary owner, with equal access and shared legal responsibility.
Steps to Onboard Joint Tenancy customers
The details you provide during entity creation are used to verify the associated account holder.
- Submit to Create Customer API
- Get response via Retrieve Customer API — store customer ID
- Track verification via Retrieve Customer API
Request Parameters
Parameter | Description |
|---|---|
| External reference id. Supported maximum of 45 characters. |
| First name of the owner. Supported maximum of 45 characters including: A-Z a-z 0-9 _ , . & ( ) / \ " ' á é í ó ú ü ñ Ñ ü Ã Í Ö ö Š š |
| Last name of the owner. Supported maximum of 45 characters including: A-Z a-z 0-9 _ , . & ( ) / \ " ' á é í ó ú ü ñ Ñ ü Ã Í Ö ö Š š |
| Middle name of the owner. Supported maximum of 20 characters including: A-Z a-z 0-9 _ , . & ( ) / \ " ' á é í ó ú ü ñ Ñ ü Ã Í Ö ö Š š |
| Whether user is the primary owner. Possible Values: TRUE, FALSE |
| Owner's Social Security Number in format XXX-XXX-XXXX. It is required for the customer’s background verification. |
| Owner's Taxpayer Identification. Possible values: ITIN |
| Owner's date of birth in dd/mm/yy format. |
| Owner's mailing address. Can be more than one and any one of these addresses can be set as a Payor Address. |
| Owner's home contact number in Numeric (XXX-XXX-XXXX) format. |
| Owner's mobile contact number in Numeric (XXX-XXX-XXXX) format. |
| Owner's work contact number in Numeric (XXX-XXX-XXXX) format. |
| Owner's email address in [email protected] format. |
| Provide additional identification proof for the owner. Possible Values: DRIVER_LICENSE, PASSPORT, ALIEN_REGISTRATION_CARD |
Response Parameters
| Parameter | Description |
|---|---|
owners.verification | The customer’s OFAC and CIP verification statuses, their reasons and date on which the status was updated. |
Onboarding APIs Summary
| Integration Component | Endpoint / Feature |
|---|---|
| Submit user info | POST /customer |
| Update user info | POST /customer/id/{id} |
| Upload documents | POST /customer/id/{id}/document |
| Status updates | GET /customers/{id} or Webhook |
| Track progress | verification.status |
Testing & Go Live
Use sandbox data to simulate both approval and rejection flows.
Kindly wait for approximately 5 minutes to view the results.
a. OFAC Verification
Use case 1: OFAC Verification Successful
As it is a successful verification scenario, you can add any names except block.
- For a Joint Tenancy Customer, create a customer with any first & last names except
block.
Test Data | Result |
|---|---|
Create a Customer:
| Get Customer:
|
Use case 2: OFAC Verification Failed
Test Data | Result |
|---|---|
Create a Customer:
| Get Customer:
|
b. CIP Verification Successful
Use case 1: CIP Verification Successful
As it is a successful verification scenario, you can add any names except block.
- For an Joint Tenancy Customer, create a customer with any first & last names except
block.
Test Data | Result |
|---|---|
Create a Customer:
Create an Account:
| Get Customer:
|
Use case 2: CIP Verification Failed
Test Data | Result |
|---|---|
Create a Customer:
Create an Account:
| Get Customer:
|
Next Steps
Open Account
Open a clearing or customer-owned account for the customer.
Enable Services
Enable services for the Joint Tenancy user
See Also
Updated 9 days ago