We have run into cases where members are being added to an account as both a Joint Owner and as a Power of Attorney. Having both authority roles is not necessary, and it can create duplicate accounts in the member's online banking. If a member is adament about having both, please follow these instructions:

Scenario 1- Currently not an existing member, being added as POA:

One Person ID. Add them as a “New” member to the account.

Scenario 2- Member is already added as a joint owner:

If a member is already a joint owner, make sure to select “New Person” when adding the POA authority role. Joint owners and POA should never share a Person ID.

Scenario 3- Member is already POA and wants to be joint as well:

If a member is already a POA, make sure to select “New Person” when adding the Joint Owner authority role. Joint owners and POA should never share a Person ID.

Scenario 4- Adding a beneficiary to a membership

Beneficiaries should have no authority over the account. Make sure to add the beneficiary role as a “New Person”. This role should always have it's own Person ID; no matter what.