Some deposit accounts may not be combined based on who has ownership of the account. For instance, an account where you are the only signer will not be combined with an account where you are a joint signer. Another scenario is if your statement is mailed to a different address. Loan statements are not included in combined statements at this time. If you have additional questions, please contact your local branch or call 1-833-422-5562 and we would be happy to assist you with your setup.