# How to create a verified customer for a joint tenancy
**URL:** https://discuss.dwolla.com/t/how-to-create-a-verified-customer-for-a-joint-tenancy/7873
**Category:** Customers
**Created:** [March 3, 2022, 8:27pm UTC](https://discuss.dwolla.com/t/how-to-create-a-verified-customer-for-a-joint-tenancy/7873 "2022-03-03T20:27:57Z")
**Posts on this page:** 8
**Page:** 1
### Author:  [@gfb107](https://discuss.dwolla.com/u/gfb107)
#### Post date: [March 3, 2022, 8:27pm UTC](https://discuss.dwolla.com/t/how-to-create-a-verified-customer-for-a-joint-tenancy/7873/1 "2022-03-03T20:27:57Z")
The docs don’t discuss how to create a verified customer for a joint tenancy. This could be a Tenancy in Common, Tenancy by the Entirety, or Joint Tenancy with Rights of Survivorship.
This is somewhat similar to a trust, which can have multiple trustees. The docs tell us to us treat a trust as a sole proprietorship, where the owner is the trustee that performs registration.
Should we do the same for joint tenancy?
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### Author:  [@gfb107](https://discuss.dwolla.com/u/gfb107)
#### Post date: [March 5, 2022, 12:45am UTC](https://discuss.dwolla.com/t/how-to-create-a-verified-customer-for-a-joint-tenancy/7873/2 "2022-03-05T00:45:22Z")
Hoped for an answer by now. I’m going ahead and creating the verified customer as a sole proprietorship, as directed for an unincorporated association or trust.
Please let me know if that is incorrect.
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### Author:  [@shreya](https://discuss.dwolla.com/u/shreya)
#### Post date: [March 7, 2022, 4:10pm UTC](https://discuss.dwolla.com/t/how-to-create-a-verified-customer-for-a-joint-tenancy/7873/3 "2022-03-07T16:10:22Z")
Hi @gfb107 – we do not have an account type for joint tenancy specifically. What kind of funding source is being attached to the customer, is it a personal consumer account or is it a business account? This will help us determine which existing account type you can use.
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### Author:  [@gfb107](https://discuss.dwolla.com/u/gfb107)
#### Post date: [March 7, 2022, 5:31pm UTC](https://discuss.dwolla.com/t/how-to-create-a-verified-customer-for-a-joint-tenancy/7873/4 "2022-03-07T17:31:54Z")
This is a general question about the API, not a question about a specific customer.
Typically, a joint tenancy is a business relationship, and will have multiple owners, but is not required to have an EIN.
A joint tenancy might also be spouses using a joint personal account.
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### Author:  [@shreya](https://discuss.dwolla.com/u/shreya)
#### Post date: [March 7, 2022, 7:22pm UTC](https://discuss.dwolla.com/t/how-to-create-a-verified-customer-for-a-joint-tenancy/7873/5 "2022-03-07T19:22:37Z")
Thanks for the clarification, Greg. Our Compliance team recommends the following for Joint Tenancy customer.
The authorized account holder should be what dictates the type of account. If it is a business account then it should be set up under a business account. Soleprop account types are really meant for one owner, but yes we also allow a soleprop to be used for trusts because our product is not created for every scenario.
If the funding source is not in a business name, and say there are several individuals as authorized signers, they may just want to set up as a personal VCR under one of the authorized signer’s names, but if it is a business account it really needs to be under a business account type to ensure the correct SEC code is applied since business accounts have a shorter return window.
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### Author:  [@gfb107](https://discuss.dwolla.com/u/gfb107)
#### Post date: [March 7, 2022, 8:17pm UTC](https://discuss.dwolla.com/t/how-to-create-a-verified-customer-for-a-joint-tenancy/7873/6 "2022-03-07T20:17:09Z")
I think the only business type the API supports without a controller and ein is a sole proprietorship.
So even though sole proprietorship is not a true match for joint tenancy (which is also the case for a trust or unincorporated association), it is the only choice that works with the Dwolla API.
Have I missed something?
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### Author:  [@shreya](https://discuss.dwolla.com/u/shreya)
#### Post date: [March 8, 2022, 6:55pm UTC](https://discuss.dwolla.com/t/how-to-create-a-verified-customer-for-a-joint-tenancy/7873/7 "2022-03-08T18:55:30Z")
Hi Greg,
That is correct! Except, if the bank account to be used by the joint tenancy is a personal consumer bank account, then they must be created as a Personal Verified Customer to ensure that there are no issues when creating transfers.
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### Author:  [@gfb107](https://discuss.dwolla.com/u/gfb107)
#### Post date: [March 9, 2022, 3:10pm UTC](https://discuss.dwolla.com/t/how-to-create-a-verified-customer-for-a-joint-tenancy/7873/8 "2022-03-09T15:10:13Z")
Thanks