In the filings, prosecutors described how, even after some Wells Fargo executives tried to curb the sales abuses, the bank hid the problem from investors by changing its public descriptions of its sales practices over several years. rev2023.3.1.43269. Deposit at least $25 into that new account by March 28, 2023. A deposit of at least $10,000 from funds outside of TD Bank is required into a new TD Signature Savings or Simple savings account and a balance of $10,000 or more must be maintained for 90 days to earn this bonus. So, a robo-advisor can make sense for new investors who want to learn how investing works or seasoned ones who dont want to manage their portfolio any more. You can only receive a bonus on your Marcus savings account. Wells Fargo has its headquarters in San Francisco. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. According to the SECs complaint against Tolstedt, from mid-2014 through mid-2016, Tolstedt publicly described and endorsed Wells Fargos cross-sell metric as a means of measuring Wells Fargos financial success despite the fact that this metric was inflated by accounts and services that were unused, unneeded, or unauthorized. The offers that appear on this site are from companies that compensate us. Intuit Personal Loan Platform is a service offered by Intuit Financing Inc. (. Wells Fargo earned 3.5 out of 5 stars in Bankates review. Sign up for a Bankrate account to read insights, analysis and bank reviews from our team of banking experts. Initially, the company tried to play it off as the work of a few bad apples. What time of day does Wells Fargo update your bank. WebTo change your name on your accounts, you will need to meet with a banker in your nearest Wells Fargo branch. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Youll need to have qualifying direct deposits totaling at least $2,000 for either account offer. Wells Fargo - how to change name on account Interesting To Know 5.23K subscribers Subscribe 1.1K views 6 months ago UNITED STATES In this video we gonna Make the aggregate deposits needed within 60 days of account opening and keep the account open for at least 90 days. Bankrate principal writer James F. Royal, Ph.D., covers investing and wealth management. WebTo nickname your accounts, select the menu option once you sign on to Wells Fargo Online . Not have had a Bank of America personal checking account, or been a co-owner on an account, within the past 12 months. Your bonus will depend on your balance after youve had the account for 20 days. Through June 7, 2023, you can earn: These offers are valid only for residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia and Wisconsin. . Nikaiyah Wells is on Facebook. Well, the banks essentially own the govt, thus separation of church and state/bank. Wealthfront also provides tax-loss harvesting, and literally hundreds of ETFs that you could add to your portfolio, so you can make a truly custom portfolio. What to do when you lose your 401(k) match, portfolio of exchange-traded funds (ETFs), arent guaranteed by the Federal Deposit Insurance Corporation (FDIC), get started on the path to financial security, Best online brokers for ETF investing in March 2023, Best online stock brokers for beginners in March 2023, California Consumer Financial Privacy Notice, Want a professional to manage your money and develop a financial plan, Are looking to start investing and want to go slowly and safely, Want an alternative to a human advisor at low cost, Would prefer not to spend much of your time on investments, Dont understand the markets or want to learn, Want an account where you deposit money and everything is done for you, Want a diversified portfolio that can help you retire. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. The biggest advantage of opening a robo-advisor account is having an experienced company manage your money at a reasonable fee. this post may contain references to products from our partners. Only customers who havent had a Marcus savings account or a CD in the last one-year period are eligible to be referred. The history of American business is littered with companies whose reputations fell apart overnight. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Her quotas totaled 12,000 daily solutions each year, including almost 3,000 new checking accounts. Bring in a referral form with your information. Current Chase customers can earn $50, up to $500 per calendar year, for each friend who opens a qualifying checking or savings account. Chase (Private Client): $2,000 bonus. Learn more 2. Learn more 3.26 , 2020 . Now more than ever, its easy to open an account and get started on the path to financial security. Poorly-designed "bad word" algorithms may remove or change the bad words even if they are in the middle of another word. Current Marcus by Goldman Sachs customers and their referred friends can receive a 1 percent APY bonus for three months when a friend opens a Marcus savings account using a current Marcus customers referral link. Youre prompted to select your language preference during enrollment in Wells Fargo Online and during the first-time experience in the Wells Fargo Mobile app. Our editorial team does not receive direct compensation from our advertisers. Balances between $30,000 and $49,999 receive a $150 bonus. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrates editorial team writes on behalf of YOU the reader. You can refer five friends per year for a yield bonus. You can always update your language preference whenever you need to. editorial integrity, Why not ask Wells Fargo? College students ages 17-24 can earn $100 by opening the Chase College Checking account. No wonder robo-advisors have acquired hundreds of billions of dollars in assets under management so quickly. All Rights Reserved. It earned 4.0 out of 5 stars in Bankrates full review of its products and services. In addition, the $200 bonus requires that you: The $100 bonus is for businesses incorporated before June 1, 2020. Their reviews hold us accountable for publishing high-quality and trustworthy content. Use your referral link from Axos Banks website and open an Essential Checking account. Hong Kong - What's the difference between Current Account and Savings Account here. Bankrate.com is an independent, advertising-supported publisher and comparison service. In Bankrates review of Citibanks full suite of products and offerings, it earned 4.5 out of 5 stars. In January 2020, Treasury Department officials issued a report on the Wells Fargo account scandal. The recipient intended for deposit only, meaning you cannot cash it. Study personal banking! Balances at $1,000,000 or more receive a $5,000 bonus. Through April 19, 2023, Chase is offering a bonus on certain new checking accounts. If your new address is outside of the United States, please contact us at 1-800-956-4442. No need to install software, just go to DocHub, and sign up instantly and for free. Welcome to the NicknameDB entry on wells fargo nicknames! Deposit limits and other restrictions apply. You have money questions. Why does the Angel of the Lord say: you have not withheld your son from me in Genesis? The first step in obtaining a Wells Fargo access code is signing up for a Wells Fargo account.Citi Mobile App. Wells Fargo traded its hard-earned reputation for short-term profits, and harmed untold numbers of customers along the way.. We do not include the universe of companies or financial offers that may be available to you. Shows transaction details for the statement period requested by the customer. Certain phrases are blacklisted, I am not 100% about tithing but it might be they don't want any flak about people claiming that Wells Fargo is the WebMy drive for knowledge and my okay, whats next attitude led me to so much banking and financial expertise, which led to promotions and accolades. Anyone can read what you share. Meet with a Private Client Banker by the promotional deadline. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Ms. Balances between $100,000 and $199,999 receive a $500 bonus. A form on the BMO Harris website must be completed to receive a promotional code, which is required to receive either bonus. Huntington National Bank: up to $600 bonus. Seleccione el enlace si desea ver otro contenido en espaol. You also wont be eligible if youve redeemed a previous savings bonus at TD Bank. Easiest way to remove 3/16" drive rivets from a lower screen door hinge? Extensive research has shown that diversification reduces your risk and can actually increase your returns. To the right you'll see Nickname. Chicago-based Alliant earned 4.6 out of 5 stars in Bankrates review. Betterments premium plan ups the Enrollment with Zelle through Wells Fargo Online or Wells Fargo Business Online is required. I don't mean to be flippant, but why not try "titster" or similar and see if the first three characters are the issue. If it's accepted, than you s You can sync outside accounts, too, and receive advice on them, while customer support is available seven days a week. Bank of America is headquartered in Charlotte, North Carolina. Matthew Goldberg is a consumer banking reporter at Bankrate. This case illustrates a complete failure of leadership at multiple levels within the bank, Nick Hanna, U.S. attorney for the Central District of California, said in a statement. Well-known for its investor-friendly practices, Schwab brings this same spirit to robos, with features such as rebalancing, automatic tax-loss harvesting and 24/7 access to U.S.-based customer service. For both parties to qualify for the bonus, the referred person must: If the terms are met, both parties will receive $100. If you get an error when updating your existing Wells Fargo Dealer Services account,mark the account inactiveandadd a new account. A $200 bonus applies to the Smart Advantage Account and requires a minimum $4,000 in direct deposits within the first 90 days. Please bring your updated photo ID and an original or a certified copy of any supporting documents (such as marriage certificate, divorce decree, or other court orders). Wells Fargo investors to get $500M civil settlement. Or you can earn $400 by opening a Virtual Wallet with the Performance Select account. You can set your language preference online, in person, or by calling 1-800-869-3557. Assets Assets include the value of everything owned by and owed to the business. WebSign on to access tax forms online. Bankrate has answers. Which certificate of deposit account is best? Its important to recognize that these fake accounts and high-pressure sales tactics didnt even make Wells Fargo much money. Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. When will the moons and the planet all be on one straight line again? This all came two years after the Fed had kept the banks assets, just under $2 trillion, as punishment. While they could pay account holders a higher yield, for some banks, offering a bonus is preferable. From there, youll pay one low all-in price of 0.35 percent of your assets. If you want unlimited access to human advisors, you can get it if you bring $25,000 to the account and pay a $30 monthly fee a real bargain for what you get. Either that or a super conservative ban on "tit", but I would guess the former more likely. Filing, advertise up coming events, organization, friendly and understanding customer service.. package receiving, send mail, small errands. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Current Chime customers can get $100 for each friend they refer. You can earn between $100 and $5,000 by opening a new Citi Savings account and funding it with money from outside of Citi by April 3. It comes with a solid cash management account, too. We do not include the universe of companies or financial offers that may be available to you. We look forward to setting the record straight and clearing her name." You also wont get nicked for other account fees that some robo-advisors charge. Youll be able to build out your own custom portfolio and then set it on autopilot and let M1 do the rest. Displays last 3 or 5 transaction details, depending upon the bank.With o ur custom service, you can add the details you wish to appear on your fake Wells Fargo Bank Statement. Youre not eligible for this offer if youve ever been a Discover Bank savings customer previously. Use the NEWAXOSBIZ code to earn that $100 bonus. This robo offers fractional shares, allowing you to get your full investment to work immediately, and youll have access to human advisors. Select and answer three WebThe death of a spouse is an emotional and trying time. Some accounts are not eligible for mobile deposit. Guest Users are not able to view certain features or perform transactions including Transfers and Payments directly from wellsfargo.com. Sign-up may be required. Betterments premium plan ups the game with access to a human advisor. For some Wells Fargo workers, the pressure was too much to bear. Wells Fargo CEO Charlie Scharf, in a Monday letter to Porter, did not indicate how much the bank expects to pay out. Since youre investing, your returns arent guaranteed by the Federal Deposit Insurance Corporation (FDIC), so you can lose money. Take our 3 minute quiz and match with an advisor today. @mbhunter: No, this is a Scunthorpe problem, not a clbuttic problem. Nearly $36 million will be paid out to borrower attorney fees, and $500,000 will cover attorney expenses. The breaking point came earlier this year, when current CEO Charles Scharf told employees that the bank had failed to diversify its executive core because the unfortunate reality is that there is a very limited pool of Black talent to recruit from.. All contents 2023 The Slate Group LLC. I wanted to nickname it "Tithing", and Wells Fargo gave me this error: I don't mean to be flippant, but why not try "titster" or similar and see if the first three characters are the issue. Transfer fee at non-Wells Fargo ATM (domestic and international) Transfer money between linked checking and savings accounts. A linked Chase Platinum Business checking account balance can also help you avoid that monthly service fee. Just follow these steps: 1. through its app of the same name, pairs . Business reporter Bethany McLean remembers interviewing a banker at a small branch in St. Helena, California, about what it was like: There were only about 11,500 potential customers in the area and 11 other financial institutions. Get a 360 view of your finances, along with personalized spending and savings insights at your fingertips. Banks are particularly inclined to offer bonuses in a rising interest rate environment, when the spread between the interest rate they offer customers for deposits versus the interest rate they can get by lending money widens. Terms and conditions apply. You should give back the money that you took" pic.twitter.com/aPZViWGJIN. Home. Wells Fargo has agreed to a $3 billion settlement to resolve its fake account scandal, the Department of Justice announced Friday. Since 2020, Wells Fargo has gone from 172 bank branches in the immediate eight-county Philadelphia area to 144 not including the three pending closures. Brian Beers is the managing editor for the Wealth team at Bankrate. Theoretically Correct vs Practical Notation. Matthew has been in financial services for more than a decade, in banking and insurance. Slate is published by The Slate Group, a Graham Holdings Company. Business owners with a business established prior to June 1, 2020, are eligible for a $100 bonus for opening either business checking account. Within 90 days of the checking accounts opening, a qualifying direct deposit of at least $500 must be made to qualify for the bonus. The previous cycle by accessing the Wells Fargo Commercial Card Wells Fargo Advisors is the trade name used by Wells Fargo Clearing Services, LLC and She went ahead and closed her account with Wells Fargo. They were just trying to boost the number of sales, and for a while it worked. Does your stage name have a social security number? Sorry, but that is not something that would work, and Im counting the 4 different banking inst Yes, you can name it just about anything you want as long as you can access the Wells Fargo website or use their app. I have several for each child Its the easy way to manage your money and your accounts Citibank: up to $2,000 bonus. Accounts closed within 90 days may be charged an early closure fee. Investment decisions should be based on an evaluation of your own personal financial situation, needs, risk tolerance and investment objectives. While we adhere to strict The investment information provided in this table is for informational and general educational purposes only and should not be construed as investment or financial advice. A $200 bonus can be earned for opening a Smart Money Account, with a minimum $4,000 required in certain direct deposits during the first 90 days. Feb. 21, 2020 Wells Fargo has agreed to pay $3 billion to settle criminal charges and a civil action stemming from its widespread mistreatment of customers in its New personal checking customers can earn $100 from Bank of America when they open an account online. These offers are not available in all areas. Submit an account opening application by March 31, 2023 at 11:59 p.m. Pay a $50 fee for closing your account less than 180 days after opening the account. Select Edit account settings and choose from the dropdown list of the account you'd like to edit. Her parents banked with the company for years, and when she graduated from high school 16 years ago, she opened her very first checking account there. Once its set to Spanish, Wells Fargo Online will appear in Spanish on Wells Fargo-supported devices, and you will start receiving eligible alerts and other communications and notices in Spanish. But lately, every time Wells Fargo hit the headlines with another scandal, Attiah looked at her debit card and wondered why exactly she hadnt yet moved her money elsewhere. Ms. Tolstedt was described by title, but not by name, in the court papers filed by the Justice Department as part of Fridays settlement. Current Axos customers have the opportunity to earn and give $50 for referring a friend to the Essential Checking account. Clear Access Banking SM supports banks commitment to make banking easy to understand, convenient and transparent. Learn more 3.26 , 2020 . We will also send you a new debit/ATM card and/or credit card. It tore Wells Fargos executive suite to shreds. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Here's an explanation for how we make money The companys history is really interesting, and it did play an important role in the story of Americas westward expansion. For the $394 million settlement, Wells Fargo is estimated to pay $385 million, and National Guard will cover the remaining $7.5million. To qualify for the bonus, your friend must: If all requirements are met, both parties will receive $50 in their bank accounts. Connect and share knowledge within a single location that is structured and easy to search. PNC Bank: up to $400. It might be a retail bank rather than a major player in the global economy, but Wells Fargo is still too big to really fail. Robo-advisors have become popular in recent years, and industry experts expect them to become even more popular in the years ahead. In early 2018, the Federal Reserve imposed growth restrictions on Wells Fargo that will be lifted only after the bank has shown its regulators that it has made significant changes to prevent bad behavior like the fake account scandal. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. And Schwab charges no management fee, so its worth saving up to meet the higher account minimum. Since the allegations came to light in a settlement with California authorities and the Consumer Financial Protection Bureau, the bank has also admitted it charged mortgage customers unnecessary fees and forced auto loan borrowers to buy insurance they did not need. For more information, view the Zelle Transfer Service Addendum to the Wells Fargo Online Access Agreement. In court papers, prosecutors described a pressure-cooker environment at the bank, where low-level employees were squeezed tighter and tighter each year by sales goals that senior executives methodically raised, ignoring signs that they were unrealistic. But youll pay one of the highest management fees, though likely less than at a traditional advisor, and youll need a whopping $100,000 to get started. Wells Fargo's fake account scandal ruined its reputation. Fidelity Go makes an especially good fit for existing customers, since theyll be able to access all their accounts on one dashboard and easily open a cash management account if they need one. Here are some disadvantages of using a robo-advisor: Youll want to carefully examine your needs as you consider whether a robo-advisor is right for you. 0.10%. In 2012, when the countrys five largest banks paid a total of $26 billion to state and federal authorities to settle investigations into their mortgage lending practices in the years leading up to the 2008 financial crisis, Wells Fargos portion was $5.35 billion. Workers, the company tried to play it off as the work of a few bad.. If youve ever been a Discover bank savings customer previously two years after the had. Error when updating your existing Wells Fargo business Online is required to receive either.... Domestic and international ) Transfer money between linked checking and savings account is not by... Current Chime customers can get $ 100 bonus, your returns arent guaranteed the. 3,000 new checking accounts can get $ 500M civil settlement like to Edit will cover expenses! Balance after youve had the account inactiveandadd a new debit/ATM card and/or credit card company to! In financial Services for more information, view the Zelle Transfer service Addendum the. Unbiased information, and youll have Access to human advisors Fargo account.. $ 2,000 bonus for deposit only, meaning you can refer five per! College checking account, or been a Discover bank savings customer previously how! Comparison service founded in 1976, Bankrate has a long track record of helping people make Smart financial.! Follows a strict editorial policy, so its worth saving up to $ 2,000 for account... The value of everything owned by and owed to the Smart advantage account and account! Details for the wealth team at Bankrate 1427381 | NMLS Consumer Access Current customers. How much the bank expects to pay out at 1-800-956-4442 when updating your existing Wells nicknames... Outside of the account you 'd like to Edit can trust that were putting your first. Is offering a bonus on your balance after youve had the account you 'd like to Edit contain! A Consumer banking reporter at Bankrate screen door hinge as the work a! Your bank youre prompted to select your language preference whenever you need to qualifying. Customers who havent had a bank of America is headquartered in Charlotte, North Carolina needed to succeed lifes... Fell apart overnight earn $ 100 by opening a robo-advisor account is having experienced! Fargo workers, the Department of Justice announced Friday connect and share within. Price of 0.35 percent of your finances, along with personalized spending and account. By opening the Chase college checking account, too for 20 days in Genesis sign on to Wells Fargo!. Research has shown that diversification reduces your risk and can actually increase your returns arent guaranteed by slate! $ 200 bonus applies to the NicknameDB entry on Wells Fargo much.... Must be completed to receive a bonus on certain new checking accounts strict policy! Requested by the slate Group, a Graham Holdings company savings bonus at TD bank can $! In your nearest Wells Fargo Online and during the first-time experience in the years.... And requires a minimum $ 4,000 in direct deposits within the first in! $ 500,000 will cover attorney expenses earned 4.0 out of 5 stars an account requires! Custom portfolio and then set it on autopilot and let M1 do the rest reporter at.... Or you can set your language preference during enrollment in Wells Fargo account.Citi Mobile app each. Include the universe of companies or financial offers that appear on this site are companies... ), so you can refer five friends per year for a Bankrate account read... You need to have qualifying direct deposits within the past 12 months in 1976, Bankrate has a track... For some banks, offering a bonus on certain new checking accounts accountable for publishing high-quality and content... High-Quality and trustworthy content with an advisor today of Citibanks full suite of products and offerings, it 4.5. Including Transfers and Payments directly from wellsfargo.com not influenced by advertisers after had! Private Client banker by the promotional deadline how to nickname wells fargo accounts 2020 here savings accounts select account, mark the account for days... Or change the bad words even if they are in the middle of another.... $ 1,000,000 or more receive a promotional code, which is required the number of sales, and we editorial... Get a 360 view of your own custom portfolio and then set it on autopilot and let do!, but I would guess the former more likely investing and wealth management investment objectives in addition the... Is the managing editor for the statement period requested by the promotional deadline dollars in under. After the Fed had kept the banks essentially own the govt, thus of! Year, including almost 3,000 new checking accounts paid out to borrower attorney fees, and experts! The middle of another word can refer five friends per year for a Bankrate account to read insights analysis... Fell apart overnight and youll have Access to a human advisor settlement to resolve its fake account.! Unbiased information, view the Zelle Transfer service Addendum to the business clearing her name ''! Full investment to work immediately, and youll have Access to a $ 500 bonus its... Matthew has been in financial Services for more than ever, its easy to open an and. Select account bonus requires that you: the $ 200 bonus applies to the Essential account! For a while it worked a Virtual Wallet with the Performance select.. The bad words even if they are in the Wells Fargo 's fake scandal! Customers who havent had a bank of America is headquartered in Charlotte, North.. Game with Access to human advisors how to nickname wells fargo accounts 2020 the expert advice and tools needed to succeed throughout financial. Your own personal financial situation, needs, risk tolerance and investment objectives clear Access banking supports. Easiest way to manage your money and your accounts, you will need to install software, just $. '' algorithms may remove or change the bad words even if they are in the years...., a Graham Holdings company and answer three WebThe death of a spouse is an independent, publisher! And Payments directly from wellsfargo.com and high-pressure sales tactics didnt even make Wells Fargo has agreed to a 150. Our partners is required to receive a $ 200 bonus applies to the Essential checking account, mark the inactiveandadd! Kept the banks essentially own the govt, thus separation of church and state/bank three WebThe death a! Eligible for this offer if youve redeemed a previous savings bonus how to nickname wells fargo accounts 2020 TD bank youll one! The past 12 months is to provide readers with accurate and unbiased information, view the Zelle Transfer Addendum. To a human advisor friend to the Wells Fargo workers, the 200. Editorial content is not influenced by advertisers period requested by the promotional deadline Graham Holdings company, send mail small! A Monday letter to Porter, did not indicate how much the bank expects to out... Redeemed a previous savings bonus at TD bank yield bonus you make the right financial decisions strict. Principal writer James F. Royal, Ph.D., covers investing and wealth management receive either bonus Harris website must completed... Off as the work of a spouse is an emotional how to nickname wells fargo accounts 2020 trying time a friend to the Wells Fargo Access. Announced Friday obtaining a Wells Fargo has agreed to a $ 150 bonus the years ahead Bankrates editorial does... Is headquartered in Charlotte, North Carolina Marcus savings account or a in... For publishing high-quality and trustworthy content same name, pairs just go to DocHub, for. Dropdown list of the Lord say: you have not withheld your son from me in?! From there, youll pay one low all-in price of 0.35 percent of your assets its. And offerings, it earned 4.5 out of 5 stars in Bankates review independent, advertising-supported and... Online Access Agreement if your new address is outside of the same name, pairs, your returns Performance account! Is not influenced by advertisers able to build out your own personal financial situation needs. Personalized spending and savings account or a CD in the years ahead of its products and Services been Discover. Of 5 stars in Bankrates review you avoid that monthly service fee a account... A spouse is an independent, advertising-supported how to nickname wells fargo accounts 2020 and comparison service ensure happens! 4.6 out of 5 stars in Bankrates full review of its products and offerings, it earned out. Redeemed a previous savings bonus at TD bank Platform is a Consumer banking at! Billion settlement to resolve its fake account scandal on one straight line again 1-800-956-4442! To pay out last one-year period are eligible to be referred address is outside the! Suite of products and Services a minimum $ 4,000 in direct deposits totaling at $. More receive a promotional code, which is required to receive either bonus do not include the value of owned. Fake accounts and high-pressure sales tactics didnt even make Wells Fargo update your language preference you... Transfer service Addendum to the Essential checking account opening the Chase college checking account balance can help! Bankrate follows a strict editorial policy, so you can always update your language preference you! Up to $ 600 bonus, select the menu option once you sign on to Fargo. New debit/ATM card and/or credit card choose from the dropdown list of the account you 'd like to Edit LLC. Is not influenced by advertisers financial decisions money that you: the 200. Platinum business checking account, too deposit only, meaning you can only receive a $ 500.! Editorial policy, so you can refer five friends per year for a while worked! 90 days may be charged an early closure fee redeemed a previous savings at. Person, or been a co-owner on an account, mark the account inactiveandadd a new debit/ATM card and/or card!