Offsite financial account onboarding is provided which creates a more streamlined process for a customer. The customer accesses a money services business business electronic system to request financial account setup. The onboarding system establishes account access to a pooled custodial account managed by the money services business business based on preliminary identification (ID) data from the customer. With only preliminary ID data, account access limits are assigned which reduces the risk of fraud or criminal activity with the customer's account access. Because account access is established with just the preliminary ID data, the customer may fully obtain account access directly from a mobile device. The money services business business provides additional graduated access levels depending on additional ID data provided by the customer. Thus, depending on the type of ID data provided by the customer, the customer's account access will have corresponding access level rights to the custodial account.