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Who Can Open an Account?

You can open your account for yourself if you are an eligible individual, at least 18 years of age and have the legal authority to open an account.

If the eligible individual does not want to open their own account or does not have the legal authority to act on his/her own behalf in financial matters, an Authorized Individual may open and manage the account on behalf of the Account Owner.

An account owner can name an Authorized Agent if they want another person to be able to transact on the account as well. The four levels of access that can be granted range from receiving duplicate account statements to full Power of Attorney.

The following people can serve as Authorized Individuals:

  • Parent(s) or Guardian(s) of an eligible minor

  • Parent of an eligible adult (must submit copy of birth certificate)

  • Guardian(s) of an eligible adult (must submit copies of Guardianship documents)

  • Person granted Power of Attorney by the eligible adult (must submit POA documents)

The eligible individual with a disability is always the Account Owner and is the beneficiary of an IAble account.

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