Yes. Once you create a joint account during the onboarding process, you can have the second account holder receive an email at the email you will provide with the instructions on how they should complete their profile and how to accept their account agreements. You will require a second account holder to have your account approved. If the secondary account holder does not get the email with the instructions, go to SoFI.com and go to "Create Account," and then enter the email provided to them to finish setting up their profile.