Who can I open a joint account with?

Joint accounts can be created with any other Betterment customer, and you do not need to be married. If you want to create a joint account with someone who is not a Betterment customer, they must first open an individual Betterment account. There is no obligation to fund the individual account if they simply want to use the joint account that’s created after. The individual account can even be closed once the joint account is set up.