You must first create a personal Betterment account before a joint account can be created. You do not have to fund your personal account, and you can delete it afterward without any fees or penalties. After you've created your personal account, follow the steps below to create a joint account.
To create a joint account:
- Log in to Betterment, either on a web browser or your mobile app
- Click "Add New" from the menu if on a web browser, or "Add goal/account" if on the mobile app
- Follow the on-screen prompts
- An email invitation will be sent to the joint account holder