Multiple Accounts
Ready-to-Launch Banking opens a checking account automatically for every customer that is approved. Beyond that default, partners can request a custom account setup, and customers can open additional accounts themselves at any time from within the app.
Default Accounts
Every approved customer receives a checking account automatically — no configuration needed.
If your product needs a different starting account structure, you can request a custom set of default accounts from Unit. A common example is three accounts created for each customer upon approval:
- Checking — Open by default. Used for everyday transactions.
- Savings — Intended for setting aside funds over time. Coming soon: Ability to set a different Annual Percentage Yield (APY) for Savings accounts.
- Taxes — Intended for reserving tax payments. Coming soon: Ability to create logic that programmatically sets incoming funds to all accounts based on predefined rules.
Unit provisions all configured accounts the moment a customer is approved, so they land in the banking experience with the full account structure already in place.
Requesting a Custom Default Account Setup
Custom default accounts are a Unit-side configuration — contact your Unit solution engineer to request a change from the standard single-account default.
When reaching out, provide:
| Field | Description |
|---|---|
| Account name(s) | The label(s) shown to the customer (e.g. "Checking", "Savings", "Taxes"). |
| Account type | Checking or Savings for each account. |
| Number of accounts | How many accounts to open per approved customer. |
Custom default accounts apply to all customers approved after the configuration goes live. Existing customers are not affected retroactively.
Customer-Created Accounts
In addition to the accounts opened automatically, customers can create new deposit accounts themselves at any time from within the Ready-to-Launch Banking app — no partner implementation required.
How It Works
From the banking overview, a customer can:
- Navigate to the Accounts section.
- Click "Add account".
- Enter an account name and select the account type.
- Confirm — the account is opened immediately.
The new account appears alongside existing accounts and is immediately available for payments, card assignment, and transfers.
