In Home Banking: To setup a Cross Account Transfer recipient, login to Home Banking and go to Transfer & Pay > Cross Account Transfer. 

In Tower's Mobile App: Select Make a Transfer. Open the "To" section and select "Add a Recipient." Enter the first 3 characters of the transfer recipient's last name along with their unique account number for the account type (i.e. – checking, club account, vehicle loan).

You will not need to setup any accounts on which you are a joint owner since they will be visible in digital banking under your login.