A person account holder is a cardholder who uses a consumer card product. You can create person account holders from the Highnote dashboard. This guide provides steps for creating an account holder and an overview of account holder details collected during account creation. 

Create account holder

Use the following steps to create an account holder using the dashboard: 

1. From the Highnote dashboard, click Account Holders and select Create Account Holder.

2. Choose Person from the drop-down menu.

3. Complete the Create Customer Account Holder form. For required fields, see Required fields.

4. Click Onboard Account Holder.

After creating an account holder, the dashboard redirects to the account holder detail page. This page provides an overview of account holder details, associated applications and external bank accounts, financial accounts, and cards: 

Required fields

The following fields are required for a person account holder: 

• First name
• Last name
• Street address
• City
• State/Territory
• Postal code
• Email
• Phone number
• Date of birth
• SSN

All other fields are optional. 

Person account holder information

When creating a person account holder, the following account holder details are collected:

• Account holder name: Includes first and last name, with the option to add a title, middle name, and suffix

• Address information: The account holder’s US-based physical address

• Contact information: The account holder’s email and phone number

• Date of birth: The account holder’s date of birth. Account holders must be at least 18 years old

• Identification: The account holder’s social security number (SSN)

• Additional details: An external ID from your system

• Financial information: The account holder’s employment status, total annual income, and current debt obligations. This can be used to determine the account holder's risk profile