My wife and I reached the end of our month free trial on the Core option.
We set up a joint savings account.
We now want one of us to downgrade to Free and then other to stay on Core subscription.
When we attempt to downgrade to it says we must delete the Joint account even though we are entitled to this if one person is on Core.
Seems like the fix is to - Move out funds - delete Joint a/c - downgrade 1 person - set up new joint - share joint - and transfer funds back to new account.

Is there a better way to do this?