How it works
Apply. A banker decides if needed. Then it is yours.
Review is a setting on each product, not a single switch for the bank. Business deposits, personal and business cards, credit builder, loans, wires, brokerage, and advisory start with review on. Checking and savings start with review off unless an administrator turns it on. When review is on, the record stays pending and we tell you that. When it is off, the product completes from the application. The published decision target is two business days. You can withdraw a pending application when that setting is on.
01
You apply
A short questionnaire names the product, the amount, and the authorization. You confirm that line. We store the application on your customer record. Submitting it does not move money and does not create a trade. For a deposit, an opening amount sits with the application until the account exists. For a card or a loan, there is no line and no proceeds yet.
02
A banker decides, if the product is on hold
Approve releases the product and posts what the product is supposed to post, in cents. Decline finishes the record and nothing funds, spends, or trades. You see the same outcome the banker recorded. The two-business-day target is how quickly a decision should appear. It is not an approval, a rate lock, or a reason to assume the product is open.
03
You use it
An active account, card, or loan shows on the dashboard with a status you can read. Statements for that relationship are generated into the document centre and kept for 24 months. We mail what happened when those notices are on. A locked card, a passcode prompt, or a pending transfer is a later control. It is not a second application.