A co-owner on an account has full access to the account, including all services such as Online Banking. The co-owner is able to conduct transactions such as deposits and withdrawals. Should you pass away, the co-owner owns all funds in the account. A trusted contact is someone designated by you that we’re able to reach out to in order to confirm information and address suspicious activity. The trusted contact does not have the authority to gather information or conduct account transactions on your behalf.