Step 1 · Product

Joint Checking

Joint Checking adds a co-applicant with shared ownership. Both adults must be eligible.

Joint Checking Application typically takes 5–8 minutes. You’ll verify contact details and accept disclosures before we submit.

Step 2 · About you

Personal details

Use your legal name as it appears on your government ID.

Legal first name

Legal last name

Email

Mobile phone

Date of birth

Step 3 · Co-applicant

Second applicant

Joint accounts require a second adult. They will also need portal access later.

Legal first name

Legal last name

Email

Date of birth

Address & identity

Where do you live?

Residential address is required for membership. PO boxes are not accepted as primary address.

Street address

Apt, suite (optional)

City

State / region

Postal code

Country

ID type

ID number

Verify contact

Confirm it’s you

We’ll send a 6-digit code to your email. Enter it below to continue. Codes expire in 15 minutes.

Security

Protect your access

Create a strong password and a numeric PIN for step-up actions in the portal.

Password

Use 8+ characters with mixed case and a number.

Confirm password

App PIN (4–6 digits)

Review

Confirm and submit

Check everything carefully. Submitting starts your Joint Checking application.

I agree to the OrbitPay electronic communications and membership disclosures. I certify the information is accurate and I am authorized to open this account.

✓

Application received

Your Joint Checking application is in review. You can explore the portal now — balances stay at zero until funding and approval complete.