The FC360 individual account is best suited for individuals looking to be the sole owner of their account.

There are beneficiary and transfer on death services available on this account type.

Joint Tenants with Rights of Survivorship (JTWROS)

The FC360 JTWROS account is a joint account with two or more account owners, where each party has an equal share of the assets in the account.

If one of the account holders passes, the other account owners will earn rights to that account holder’s assets.

Tenants in Common

The FC360 Tenants in Common account is a joint account with two or more account owners, where each party has a specified percentage of the assets in the account.

Non-resident aliens do not qualify for TIC accounts. Upon the passing of an account holder, that account holders estate will earn the right to their percentage of the assets.

Community Property

The FC360 Community Property account is an account which is owned by two married people who acquired assets during their marriage (some exceptions apply). This account is based on the assumption that each spouse has an equal share of the assets acquired in this account during the term of their marriage.

These accounts are available in the following states: AZ, CA, ID, LA, NM, NV, TX, WA, and WI. Non-resident aliens are not eligible for this account type. If death or divorce occurs, assets are treated as belonging to half of each spouse.

Tenants By The Entireties

The FC360 Tenants by the Entireties account is an account designed for two married people.

These accounts are available in the following states: AK, AR, DE, FL, DC, HI, KY, MD, MA, MI, MS, MO, NJ, OK, PA, RI, TN, VT, VA, and WY.  Non-resident aliens are not eligible for this account type. This account is different from Community Property Accounts in that when death occurs of one account owner, the other account holder will retain the right to all the assets in the account. However, property cannot be sold to satisfy the debts of one owner.

Custodial Uniform Gift to Minors Act (UGMA) / Uniform Transfer to Minors Act (UTMA)

The FC360 UGMA/UTMA custodial account allows minors to own cash or securities with our custodian until the minor reaches the age of majority in the state where the account was established. Any type of deposit made into these accounts will be coded as irrevocable gifts to the minor.

Establishing a UGMA or UTMA account for a minor will make it very simple to transfer property to a minor without the formalities of formal trust and without having to deal with the guardianship of a minor’s property. Assets in UGMA/UTMA accounts are considered, and all taxation of earnings will be based off of the minor’s tax rate.


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