SmartDollar was purchased by your employer for you as an employee benefit. Each employee is only allowed one SmartDollar account for them and their family. We want you to go through this process with your spouse if you're married, you can do that by sharing the same account. It keeps you both on the same page and allows you to both see everything going on with your finances, there's no need for you to have two accounts. SmartDollar is not available for your adult children or other family members.