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If I am the joint owner on an account, will I now need my own username and password?

Maybe. After conversion to Digital Banking, if you are a joint owner of an account and you have at least one account that you are primary owner of, you will not need a separate username or password. If you have a primary account, simply sign on and you will have access to all accounts your Social Security Number (SSN) or Employer Identification Number (EIN) are associated with.
However, if a joint owner is just a joint owner of an account, the primary owner will need to share their credentials with the joint owner.  A joint owner cannot create their own username and password to access an account.

Keep in mind that upon transitioning to your new Digital Banking platform, you will likely see more accounts listed that you did before, since you will have access to anything your SSN or EIN is attached to.

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