diff --git a/packages/backend/src/db/index.ts b/packages/backend/src/db/index.ts
index 5d0e29f..3d68ee2 100644
--- a/packages/backend/src/db/index.ts
+++ b/packages/backend/src/db/index.ts
@@ -1,2 +1,3 @@
 export * from './schema/stores.js'
 export * from './schema/users.js'
+export * from './schema/accounts.js'
diff --git a/packages/backend/src/db/migrations/0003_round_captain_midlands.sql b/packages/backend/src/db/migrations/0003_round_captain_midlands.sql
new file mode 100644
index 0000000..340a886
--- /dev/null
+++ b/packages/backend/src/db/migrations/0003_round_captain_midlands.sql
@@ -0,0 +1,51 @@
+CREATE TYPE "public"."billing_mode" AS ENUM('consolidated', 'split');--> statement-breakpoint
+CREATE TYPE "public"."payment_processor" AS ENUM('stripe', 'global_payments');--> statement-breakpoint
+CREATE TABLE "account_processor_link" (
+	"id" uuid PRIMARY KEY DEFAULT gen_random_uuid() NOT NULL,
+	"account_id" uuid NOT NULL,
+	"company_id" uuid NOT NULL,
+	"processor" "payment_processor" NOT NULL,
+	"processor_customer_id" varchar(255) NOT NULL,
+	"is_active" boolean DEFAULT true NOT NULL,
+	"created_at" timestamp with time zone DEFAULT now() NOT NULL
+);
+--> statement-breakpoint
+CREATE TABLE "account" (
+	"id" uuid PRIMARY KEY DEFAULT gen_random_uuid() NOT NULL,
+	"company_id" uuid NOT NULL,
+	"account_number" varchar(50),
+	"name" varchar(255) NOT NULL,
+	"email" varchar(255),
+	"phone" varchar(50),
+	"address" jsonb,
+	"billing_mode" "billing_mode" DEFAULT 'consolidated' NOT NULL,
+	"notes" text,
+	"is_active" boolean DEFAULT true NOT NULL,
+	"legacy_id" varchar(255),
+	"legacy_source" varchar(50),
+	"migrated_at" timestamp with time zone,
+	"created_at" timestamp with time zone DEFAULT now() NOT NULL,
+	"updated_at" timestamp with time zone DEFAULT now() NOT NULL
+);
+--> statement-breakpoint
+CREATE TABLE "member" (
+	"id" uuid PRIMARY KEY DEFAULT gen_random_uuid() NOT NULL,
+	"account_id" uuid NOT NULL,
+	"company_id" uuid NOT NULL,
+	"first_name" varchar(100) NOT NULL,
+	"last_name" varchar(100) NOT NULL,
+	"date_of_birth" date,
+	"is_minor" boolean DEFAULT false NOT NULL,
+	"email" varchar(255),
+	"phone" varchar(50),
+	"notes" text,
+	"legacy_id" varchar(255),
+	"created_at" timestamp with time zone DEFAULT now() NOT NULL,
+	"updated_at" timestamp with time zone DEFAULT now() NOT NULL
+);
+--> statement-breakpoint
+ALTER TABLE "account_processor_link" ADD CONSTRAINT "account_processor_link_account_id_account_id_fk" FOREIGN KEY ("account_id") REFERENCES "public"."account"("id") ON DELETE no action ON UPDATE no action;--> statement-breakpoint
+ALTER TABLE "account_processor_link" ADD CONSTRAINT "account_processor_link_company_id_company_id_fk" FOREIGN KEY ("company_id") REFERENCES "public"."company"("id") ON DELETE no action ON UPDATE no action;--> statement-breakpoint
+ALTER TABLE "account" ADD CONSTRAINT "account_company_id_company_id_fk" FOREIGN KEY ("company_id") REFERENCES "public"."company"("id") ON DELETE no action ON UPDATE no action;--> statement-breakpoint
+ALTER TABLE "member" ADD CONSTRAINT "member_account_id_account_id_fk" FOREIGN KEY ("account_id") REFERENCES "public"."account"("id") ON DELETE no action ON UPDATE no action;--> statement-breakpoint
+ALTER TABLE "member" ADD CONSTRAINT "member_company_id_company_id_fk" FOREIGN KEY ("company_id") REFERENCES "public"."company"("id") ON DELETE no action ON UPDATE no action;
\ No newline at end of file
diff --git a/packages/backend/src/db/migrations/meta/0003_snapshot.json b/packages/backend/src/db/migrations/meta/0003_snapshot.json
new file mode 100644
index 0000000..5c9d3a7
--- /dev/null
+++ b/packages/backend/src/db/migrations/meta/0003_snapshot.json
@@ -0,0 +1,628 @@
+{
+  "id": "906895d3-deba-442a-991d-d9245c960d18",
+  "prevId": "69ee3c88-af63-4f16-88e1-15e4ce355a87",
+  "version": "7",
+  "dialect": "postgresql",
+  "tables": {
+    "public.user": {
+      "name": "user",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "uuid",
+          "primaryKey": true,
+          "notNull": true,
+          "default": "gen_random_uuid()"
+        },
+        "company_id": {
+          "name": "company_id",
+          "type": "uuid",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "email": {
+          "name": "email",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "password_hash": {
+          "name": "password_hash",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "first_name": {
+          "name": "first_name",
+          "type": "varchar(100)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "last_name": {
+          "name": "last_name",
+          "type": "varchar(100)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "role": {
+          "name": "role",
+          "type": "user_role",
+          "typeSchema": "public",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "'staff'"
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp with time zone",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp with time zone",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        }
+      },
+      "indexes": {},
+      "foreignKeys": {
+        "user_company_id_company_id_fk": {
+          "name": "user_company_id_company_id_fk",
+          "tableFrom": "user",
+          "tableTo": "company",
+          "columnsFrom": [
+            "company_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "no action",
+          "onUpdate": "no action"
+        }
+      },
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {
+        "user_email_unique": {
+          "name": "user_email_unique",
+          "nullsNotDistinct": false,
+          "columns": [
+            "email"
+          ]
+        }
+      },
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.company": {
+      "name": "company",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "uuid",
+          "primaryKey": true,
+          "notNull": true,
+          "default": "gen_random_uuid()"
+        },
+        "name": {
+          "name": "name",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "phone": {
+          "name": "phone",
+          "type": "varchar(50)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "email": {
+          "name": "email",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "timezone": {
+          "name": "timezone",
+          "type": "varchar(100)",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "'America/Chicago'"
+        },
+        "notes": {
+          "name": "notes",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp with time zone",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp with time zone",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        }
+      },
+      "indexes": {},
+      "foreignKeys": {},
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.location": {
+      "name": "location",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "uuid",
+          "primaryKey": true,
+          "notNull": true,
+          "default": "gen_random_uuid()"
+        },
+        "company_id": {
+          "name": "company_id",
+          "type": "uuid",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "name": {
+          "name": "name",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "address": {
+          "name": "address",
+          "type": "jsonb",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "phone": {
+          "name": "phone",
+          "type": "varchar(50)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "email": {
+          "name": "email",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "timezone": {
+          "name": "timezone",
+          "type": "varchar(100)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "is_active": {
+          "name": "is_active",
+          "type": "boolean",
+          "primaryKey": false,
+          "notNull": true,
+          "default": true
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp with time zone",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp with time zone",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        }
+      },
+      "indexes": {},
+      "foreignKeys": {
+        "location_company_id_company_id_fk": {
+          "name": "location_company_id_company_id_fk",
+          "tableFrom": "location",
+          "tableTo": "company",
+          "columnsFrom": [
+            "company_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "no action",
+          "onUpdate": "no action"
+        }
+      },
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.account_processor_link": {
+      "name": "account_processor_link",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "uuid",
+          "primaryKey": true,
+          "notNull": true,
+          "default": "gen_random_uuid()"
+        },
+        "account_id": {
+          "name": "account_id",
+          "type": "uuid",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "company_id": {
+          "name": "company_id",
+          "type": "uuid",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "processor": {
+          "name": "processor",
+          "type": "payment_processor",
+          "typeSchema": "public",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "processor_customer_id": {
+          "name": "processor_customer_id",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "is_active": {
+          "name": "is_active",
+          "type": "boolean",
+          "primaryKey": false,
+          "notNull": true,
+          "default": true
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp with time zone",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        }
+      },
+      "indexes": {},
+      "foreignKeys": {
+        "account_processor_link_account_id_account_id_fk": {
+          "name": "account_processor_link_account_id_account_id_fk",
+          "tableFrom": "account_processor_link",
+          "tableTo": "account",
+          "columnsFrom": [
+            "account_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "no action",
+          "onUpdate": "no action"
+        },
+        "account_processor_link_company_id_company_id_fk": {
+          "name": "account_processor_link_company_id_company_id_fk",
+          "tableFrom": "account_processor_link",
+          "tableTo": "company",
+          "columnsFrom": [
+            "company_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "no action",
+          "onUpdate": "no action"
+        }
+      },
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.account": {
+      "name": "account",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "uuid",
+          "primaryKey": true,
+          "notNull": true,
+          "default": "gen_random_uuid()"
+        },
+        "company_id": {
+          "name": "company_id",
+          "type": "uuid",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "account_number": {
+          "name": "account_number",
+          "type": "varchar(50)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "name": {
+          "name": "name",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "email": {
+          "name": "email",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "phone": {
+          "name": "phone",
+          "type": "varchar(50)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "address": {
+          "name": "address",
+          "type": "jsonb",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "billing_mode": {
+          "name": "billing_mode",
+          "type": "billing_mode",
+          "typeSchema": "public",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "'consolidated'"
+        },
+        "notes": {
+          "name": "notes",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "is_active": {
+          "name": "is_active",
+          "type": "boolean",
+          "primaryKey": false,
+          "notNull": true,
+          "default": true
+        },
+        "legacy_id": {
+          "name": "legacy_id",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "legacy_source": {
+          "name": "legacy_source",
+          "type": "varchar(50)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "migrated_at": {
+          "name": "migrated_at",
+          "type": "timestamp with time zone",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp with time zone",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp with time zone",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        }
+      },
+      "indexes": {},
+      "foreignKeys": {
+        "account_company_id_company_id_fk": {
+          "name": "account_company_id_company_id_fk",
+          "tableFrom": "account",
+          "tableTo": "company",
+          "columnsFrom": [
+            "company_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "no action",
+          "onUpdate": "no action"
+        }
+      },
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    },
+    "public.member": {
+      "name": "member",
+      "schema": "",
+      "columns": {
+        "id": {
+          "name": "id",
+          "type": "uuid",
+          "primaryKey": true,
+          "notNull": true,
+          "default": "gen_random_uuid()"
+        },
+        "account_id": {
+          "name": "account_id",
+          "type": "uuid",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "company_id": {
+          "name": "company_id",
+          "type": "uuid",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "first_name": {
+          "name": "first_name",
+          "type": "varchar(100)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "last_name": {
+          "name": "last_name",
+          "type": "varchar(100)",
+          "primaryKey": false,
+          "notNull": true
+        },
+        "date_of_birth": {
+          "name": "date_of_birth",
+          "type": "date",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "is_minor": {
+          "name": "is_minor",
+          "type": "boolean",
+          "primaryKey": false,
+          "notNull": true,
+          "default": false
+        },
+        "email": {
+          "name": "email",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "phone": {
+          "name": "phone",
+          "type": "varchar(50)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "notes": {
+          "name": "notes",
+          "type": "text",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "legacy_id": {
+          "name": "legacy_id",
+          "type": "varchar(255)",
+          "primaryKey": false,
+          "notNull": false
+        },
+        "created_at": {
+          "name": "created_at",
+          "type": "timestamp with time zone",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        },
+        "updated_at": {
+          "name": "updated_at",
+          "type": "timestamp with time zone",
+          "primaryKey": false,
+          "notNull": true,
+          "default": "now()"
+        }
+      },
+      "indexes": {},
+      "foreignKeys": {
+        "member_account_id_account_id_fk": {
+          "name": "member_account_id_account_id_fk",
+          "tableFrom": "member",
+          "tableTo": "account",
+          "columnsFrom": [
+            "account_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "no action",
+          "onUpdate": "no action"
+        },
+        "member_company_id_company_id_fk": {
+          "name": "member_company_id_company_id_fk",
+          "tableFrom": "member",
+          "tableTo": "company",
+          "columnsFrom": [
+            "company_id"
+          ],
+          "columnsTo": [
+            "id"
+          ],
+          "onDelete": "no action",
+          "onUpdate": "no action"
+        }
+      },
+      "compositePrimaryKeys": {},
+      "uniqueConstraints": {},
+      "policies": {},
+      "checkConstraints": {},
+      "isRLSEnabled": false
+    }
+  },
+  "enums": {
+    "public.user_role": {
+      "name": "user_role",
+      "schema": "public",
+      "values": [
+        "admin",
+        "manager",
+        "staff",
+        "technician",
+        "instructor"
+      ]
+    },
+    "public.billing_mode": {
+      "name": "billing_mode",
+      "schema": "public",
+      "values": [
+        "consolidated",
+        "split"
+      ]
+    },
+    "public.payment_processor": {
+      "name": "payment_processor",
+      "schema": "public",
+      "values": [
+        "stripe",
+        "global_payments"
+      ]
+    }
+  },
+  "schemas": {},
+  "sequences": {},
+  "roles": {},
+  "policies": {},
+  "views": {},
+  "_meta": {
+    "columns": {},
+    "schemas": {},
+    "tables": {}
+  }
+}
\ No newline at end of file
diff --git a/packages/backend/src/db/migrations/meta/_journal.json b/packages/backend/src/db/migrations/meta/_journal.json
index d491316..ee71e4b 100644
--- a/packages/backend/src/db/migrations/meta/_journal.json
+++ b/packages/backend/src/db/migrations/meta/_journal.json
@@ -22,6 +22,13 @@
       "when": 1774648659531,
       "tag": "0002_bumpy_mandarin",
       "breakpoints": true
+    },
+    {
+      "idx": 3,
+      "version": "7",
+      "when": 1774651222033,
+      "tag": "0003_round_captain_midlands",
+      "breakpoints": true
     }
   ]
 }
\ No newline at end of file
diff --git a/packages/backend/src/db/schema/accounts.ts b/packages/backend/src/db/schema/accounts.ts
new file mode 100644
index 0000000..b940009
--- /dev/null
+++ b/packages/backend/src/db/schema/accounts.ts
@@ -0,0 +1,83 @@
+import {
+  pgTable,
+  uuid,
+  varchar,
+  text,
+  jsonb,
+  timestamp,
+  boolean,
+  date,
+  pgEnum,
+} from 'drizzle-orm/pg-core'
+import { companies } from './stores.js'
+
+export const billingModeEnum = pgEnum('billing_mode', ['consolidated', 'split'])
+
+export const accounts = pgTable('account', {
+  id: uuid('id').primaryKey().defaultRandom(),
+  companyId: uuid('company_id')
+    .notNull()
+    .references(() => companies.id),
+  accountNumber: varchar('account_number', { length: 50 }),
+  name: varchar('name', { length: 255 }).notNull(),
+  email: varchar('email', { length: 255 }),
+  phone: varchar('phone', { length: 50 }),
+  address: jsonb('address').$type<{
+    street?: string
+    city?: string
+    state?: string
+    zip?: string
+  }>(),
+  billingMode: billingModeEnum('billing_mode').notNull().default('consolidated'),
+  notes: text('notes'),
+  isActive: boolean('is_active').notNull().default(true),
+  legacyId: varchar('legacy_id', { length: 255 }),
+  legacySource: varchar('legacy_source', { length: 50 }),
+  migratedAt: timestamp('migrated_at', { withTimezone: true }),
+  createdAt: timestamp('created_at', { withTimezone: true }).notNull().defaultNow(),
+  updatedAt: timestamp('updated_at', { withTimezone: true }).notNull().defaultNow(),
+})
+
+export const members = pgTable('member', {
+  id: uuid('id').primaryKey().defaultRandom(),
+  accountId: uuid('account_id')
+    .notNull()
+    .references(() => accounts.id),
+  companyId: uuid('company_id')
+    .notNull()
+    .references(() => companies.id),
+  firstName: varchar('first_name', { length: 100 }).notNull(),
+  lastName: varchar('last_name', { length: 100 }).notNull(),
+  dateOfBirth: date('date_of_birth'),
+  isMinor: boolean('is_minor').notNull().default(false),
+  email: varchar('email', { length: 255 }),
+  phone: varchar('phone', { length: 50 }),
+  notes: text('notes'),
+  legacyId: varchar('legacy_id', { length: 255 }),
+  createdAt: timestamp('created_at', { withTimezone: true }).notNull().defaultNow(),
+  updatedAt: timestamp('updated_at', { withTimezone: true }).notNull().defaultNow(),
+})
+
+export const processorEnum = pgEnum('payment_processor', ['stripe', 'global_payments'])
+
+export const accountProcessorLinks = pgTable('account_processor_link', {
+  id: uuid('id').primaryKey().defaultRandom(),
+  accountId: uuid('account_id')
+    .notNull()
+    .references(() => accounts.id),
+  companyId: uuid('company_id')
+    .notNull()
+    .references(() => companies.id),
+  processor: processorEnum('processor').notNull(),
+  processorCustomerId: varchar('processor_customer_id', { length: 255 }).notNull(),
+  isActive: boolean('is_active').notNull().default(true),
+  createdAt: timestamp('created_at', { withTimezone: true }).notNull().defaultNow(),
+})
+
+export type AccountProcessorLink = typeof accountProcessorLinks.$inferSelect
+export type AccountProcessorLinkInsert = typeof accountProcessorLinks.$inferInsert
+
+export type Account = typeof accounts.$inferSelect
+export type AccountInsert = typeof accounts.$inferInsert
+export type Member = typeof members.$inferSelect
+export type MemberInsert = typeof members.$inferInsert
diff --git a/packages/backend/src/main.ts b/packages/backend/src/main.ts
index abd7701..49ae0f1 100644
--- a/packages/backend/src/main.ts
+++ b/packages/backend/src/main.ts
@@ -7,6 +7,7 @@ import { authPlugin } from './plugins/auth.js'
 import { devAuthPlugin } from './plugins/dev-auth.js'
 import { healthRoutes } from './routes/v1/health.js'
 import { authRoutes } from './routes/v1/auth.js'
+import { accountRoutes } from './routes/v1/accounts.js'
 
 export async function buildApp() {
   const app = Fastify({
@@ -33,6 +34,7 @@ export async function buildApp() {
   // Routes
   await app.register(healthRoutes, { prefix: '/v1' })
   await app.register(authRoutes, { prefix: '/v1' })
+  await app.register(accountRoutes, { prefix: '/v1' })
 
   return app
 }
diff --git a/packages/backend/src/plugins/database.ts b/packages/backend/src/plugins/database.ts
index c8f673e..9cde59b 100644
--- a/packages/backend/src/plugins/database.ts
+++ b/packages/backend/src/plugins/database.ts
@@ -3,8 +3,9 @@ import { drizzle } from 'drizzle-orm/postgres-js'
 import postgres from 'postgres'
 import * as storeSchema from '../db/schema/stores.js'
 import * as userSchema from '../db/schema/users.js'
+import * as accountSchema from '../db/schema/accounts.js'
 
-const schema = { ...storeSchema, ...userSchema }
+const schema = { ...storeSchema, ...userSchema, ...accountSchema }
 
 declare module 'fastify' {
   interface FastifyInstance {
diff --git a/packages/backend/src/routes/v1/accounts.test.ts b/packages/backend/src/routes/v1/accounts.test.ts
new file mode 100644
index 0000000..7bb7609
--- /dev/null
+++ b/packages/backend/src/routes/v1/accounts.test.ts
@@ -0,0 +1,302 @@
+import { describe, it, expect, beforeAll, beforeEach, afterAll } from 'bun:test'
+import type { FastifyInstance } from 'fastify'
+import {
+  createTestApp,
+  cleanDb,
+  seedTestCompany,
+  registerAndLogin,
+  TEST_COMPANY_ID,
+} from '../../test/helpers.js'
+
+describe('Account routes', () => {
+  let app: FastifyInstance
+  let token: string
+
+  beforeAll(async () => {
+    app = await createTestApp()
+  })
+
+  beforeEach(async () => {
+    await cleanDb(app)
+    await seedTestCompany(app)
+    const auth = await registerAndLogin(app)
+    token = auth.token
+  })
+
+  afterAll(async () => {
+    await app.close()
+  })
+
+  describe('POST /v1/accounts', () => {
+    it('creates an account', async () => {
+      const response = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: {
+          name: 'Smith Family',
+          email: 'smith@example.com',
+          phone: '512-555-1234',
+          billingMode: 'consolidated',
+        },
+      })
+
+      expect(response.statusCode).toBe(201)
+      const body = response.json()
+      expect(body.name).toBe('Smith Family')
+      expect(body.email).toBe('smith@example.com')
+      expect(body.companyId).toBe(TEST_COMPANY_ID)
+      expect(body.billingMode).toBe('consolidated')
+    })
+
+    it('rejects missing name', async () => {
+      const response = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { email: 'noname@test.com' },
+      })
+
+      expect(response.statusCode).toBe(400)
+    })
+  })
+
+  describe('GET /v1/accounts', () => {
+    it('lists accounts for the company', async () => {
+      await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'Account One' },
+      })
+      await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'Account Two' },
+      })
+
+      const response = await app.inject({
+        method: 'GET',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+      })
+
+      expect(response.statusCode).toBe(200)
+      const body = response.json()
+      expect(body.length).toBe(2)
+    })
+  })
+
+  describe('GET /v1/accounts/search', () => {
+    it('searches by name', async () => {
+      await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'Johnson Family', phone: '555-9999' },
+      })
+      await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'Williams Music' },
+      })
+
+      const response = await app.inject({
+        method: 'GET',
+        url: '/v1/accounts/search?q=johnson',
+        headers: { authorization: `Bearer ${token}` },
+      })
+
+      expect(response.statusCode).toBe(200)
+      const body = response.json()
+      expect(body.length).toBe(1)
+      expect(body[0].name).toBe('Johnson Family')
+    })
+
+    it('searches by phone', async () => {
+      await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'Phone Test', phone: '512-867-5309' },
+      })
+
+      const response = await app.inject({
+        method: 'GET',
+        url: '/v1/accounts/search?q=867-5309',
+        headers: { authorization: `Bearer ${token}` },
+      })
+
+      expect(response.statusCode).toBe(200)
+      expect(response.json().length).toBe(1)
+    })
+  })
+
+  describe('PATCH /v1/accounts/:id', () => {
+    it('updates an account', async () => {
+      const createRes = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'Original Name' },
+      })
+      const id = createRes.json().id
+
+      const response = await app.inject({
+        method: 'PATCH',
+        url: `/v1/accounts/${id}`,
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'Updated Name' },
+      })
+
+      expect(response.statusCode).toBe(200)
+      expect(response.json().name).toBe('Updated Name')
+    })
+  })
+
+  describe('DELETE /v1/accounts/:id', () => {
+    it('soft-deletes an account', async () => {
+      const createRes = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'To Delete' },
+      })
+      const id = createRes.json().id
+
+      const delRes = await app.inject({
+        method: 'DELETE',
+        url: `/v1/accounts/${id}`,
+        headers: { authorization: `Bearer ${token}` },
+      })
+      expect(delRes.statusCode).toBe(200)
+      expect(delRes.json().isActive).toBe(false)
+
+      // Should not appear in list
+      const listRes = await app.inject({
+        method: 'GET',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+      })
+      expect(listRes.json().length).toBe(0)
+    })
+  })
+})
+
+describe('Member routes', () => {
+  let app: FastifyInstance
+  let token: string
+  let accountId: string
+
+  beforeAll(async () => {
+    app = await createTestApp()
+  })
+
+  beforeEach(async () => {
+    await cleanDb(app)
+    await seedTestCompany(app)
+    const auth = await registerAndLogin(app, { email: `member-test-${Date.now()}@test.com` })
+    token = auth.token
+
+    const accountRes = await app.inject({
+      method: 'POST',
+      url: '/v1/accounts',
+      headers: { authorization: `Bearer ${token}` },
+      payload: { name: 'Test Family' },
+    })
+    accountId = accountRes.json().id
+  })
+
+  afterAll(async () => {
+    await app.close()
+  })
+
+  describe('POST /v1/accounts/:accountId/members', () => {
+    it('creates a member', async () => {
+      const response = await app.inject({
+        method: 'POST',
+        url: `/v1/accounts/${accountId}/members`,
+        headers: { authorization: `Bearer ${token}` },
+        payload: {
+          firstName: 'Emma',
+          lastName: 'Chen',
+          dateOfBirth: '2015-03-15',
+          email: 'emma@test.com',
+        },
+      })
+
+      expect(response.statusCode).toBe(201)
+      const body = response.json()
+      expect(body.firstName).toBe('Emma')
+      expect(body.lastName).toBe('Chen')
+      expect(body.isMinor).toBe(true)
+      expect(body.accountId).toBe(accountId)
+    })
+
+    it('marks adult members as not minor', async () => {
+      const response = await app.inject({
+        method: 'POST',
+        url: `/v1/accounts/${accountId}/members`,
+        headers: { authorization: `Bearer ${token}` },
+        payload: {
+          firstName: 'John',
+          lastName: 'Chen',
+          dateOfBirth: '1985-06-20',
+        },
+      })
+
+      expect(response.statusCode).toBe(201)
+      expect(response.json().isMinor).toBe(false)
+    })
+  })
+
+  describe('GET /v1/accounts/:accountId/members', () => {
+    it('lists members for an account', async () => {
+      await app.inject({
+        method: 'POST',
+        url: `/v1/accounts/${accountId}/members`,
+        headers: { authorization: `Bearer ${token}` },
+        payload: { firstName: 'Child', lastName: 'One' },
+      })
+      await app.inject({
+        method: 'POST',
+        url: `/v1/accounts/${accountId}/members`,
+        headers: { authorization: `Bearer ${token}` },
+        payload: { firstName: 'Child', lastName: 'Two' },
+      })
+
+      const response = await app.inject({
+        method: 'GET',
+        url: `/v1/accounts/${accountId}/members`,
+        headers: { authorization: `Bearer ${token}` },
+      })
+
+      expect(response.statusCode).toBe(200)
+      expect(response.json().length).toBe(2)
+    })
+  })
+
+  describe('PATCH /members/:id', () => {
+    it('updates a member and recalculates isMinor', async () => {
+      const createRes = await app.inject({
+        method: 'POST',
+        url: `/v1/accounts/${accountId}/members`,
+        headers: { authorization: `Bearer ${token}` },
+        payload: { firstName: 'Kid', lastName: 'Test', dateOfBirth: '2015-01-01' },
+      })
+      const memberId = createRes.json().id
+
+      const response = await app.inject({
+        method: 'PATCH',
+        url: `/v1/members/${memberId}`,
+        headers: { authorization: `Bearer ${token}` },
+        payload: { dateOfBirth: '1980-01-01' },
+      })
+
+      expect(response.statusCode).toBe(200)
+      expect(response.json().isMinor).toBe(false)
+    })
+  })
+})
diff --git a/packages/backend/src/routes/v1/accounts.ts b/packages/backend/src/routes/v1/accounts.ts
new file mode 100644
index 0000000..14857b2
--- /dev/null
+++ b/packages/backend/src/routes/v1/accounts.ts
@@ -0,0 +1,148 @@
+import type { FastifyPluginAsync } from 'fastify'
+import {
+  AccountCreateSchema,
+  AccountUpdateSchema,
+  MemberCreateSchema,
+  MemberUpdateSchema,
+  AccountSearchSchema,
+} from '@forte/shared/schemas'
+import { AccountService, MemberService } from '../../services/account.service.js'
+
+export const accountRoutes: FastifyPluginAsync = async (app) => {
+  // --- Accounts ---
+
+  app.post(
+    '/accounts',
+    { preHandler: [app.authenticate] },
+    async (request, reply) => {
+      const parsed = AccountCreateSchema.safeParse(request.body)
+      if (!parsed.success) {
+        return reply.status(400).send({ error: { message: 'Validation failed', details: parsed.error.flatten(), statusCode: 400 } })
+      }
+      const account = await AccountService.create(app.db, request.companyId, parsed.data)
+      return reply.status(201).send(account)
+    },
+  )
+
+  app.get(
+    '/accounts',
+    { preHandler: [app.authenticate] },
+    async (request, reply) => {
+      const accounts = await AccountService.list(app.db, request.companyId)
+      return reply.send(accounts)
+    },
+  )
+
+  app.get(
+    '/accounts/search',
+    { preHandler: [app.authenticate] },
+    async (request, reply) => {
+      const parsed = AccountSearchSchema.safeParse(request.query)
+      if (!parsed.success) {
+        return reply.status(400).send({ error: { message: 'Query parameter q is required', statusCode: 400 } })
+      }
+      const results = await AccountService.search(app.db, request.companyId, parsed.data.q)
+      return reply.send(results)
+    },
+  )
+
+  app.get(
+    '/accounts/:id',
+    { preHandler: [app.authenticate] },
+    async (request, reply) => {
+      const { id } = request.params as { id: string }
+      const account = await AccountService.getById(app.db, request.companyId, id)
+      if (!account) return reply.status(404).send({ error: { message: 'Account not found', statusCode: 404 } })
+      return reply.send(account)
+    },
+  )
+
+  app.patch(
+    '/accounts/:id',
+    { preHandler: [app.authenticate] },
+    async (request, reply) => {
+      const { id } = request.params as { id: string }
+      const parsed = AccountUpdateSchema.safeParse(request.body)
+      if (!parsed.success) {
+        return reply.status(400).send({ error: { message: 'Validation failed', details: parsed.error.flatten(), statusCode: 400 } })
+      }
+      const account = await AccountService.update(app.db, request.companyId, id, parsed.data)
+      if (!account) return reply.status(404).send({ error: { message: 'Account not found', statusCode: 404 } })
+      return reply.send(account)
+    },
+  )
+
+  app.delete(
+    '/accounts/:id',
+    { preHandler: [app.authenticate] },
+    async (request, reply) => {
+      const { id } = request.params as { id: string }
+      const account = await AccountService.softDelete(app.db, request.companyId, id)
+      if (!account) return reply.status(404).send({ error: { message: 'Account not found', statusCode: 404 } })
+      return reply.send(account)
+    },
+  )
+
+  // --- Members ---
+
+  app.post(
+    '/accounts/:accountId/members',
+    { preHandler: [app.authenticate] },
+    async (request, reply) => {
+      const { accountId } = request.params as { accountId: string }
+      const parsed = MemberCreateSchema.safeParse({ ...request.body as object, accountId })
+      if (!parsed.success) {
+        return reply.status(400).send({ error: { message: 'Validation failed', details: parsed.error.flatten(), statusCode: 400 } })
+      }
+      const member = await MemberService.create(app.db, request.companyId, parsed.data)
+      return reply.status(201).send(member)
+    },
+  )
+
+  app.get(
+    '/accounts/:accountId/members',
+    { preHandler: [app.authenticate] },
+    async (request, reply) => {
+      const { accountId } = request.params as { accountId: string }
+      const membersList = await MemberService.listByAccount(app.db, request.companyId, accountId)
+      return reply.send(membersList)
+    },
+  )
+
+  app.get(
+    '/members/:id',
+    { preHandler: [app.authenticate] },
+    async (request, reply) => {
+      const { id } = request.params as { id: string }
+      const member = await MemberService.getById(app.db, request.companyId, id)
+      if (!member) return reply.status(404).send({ error: { message: 'Member not found', statusCode: 404 } })
+      return reply.send(member)
+    },
+  )
+
+  app.patch(
+    '/members/:id',
+    { preHandler: [app.authenticate] },
+    async (request, reply) => {
+      const { id } = request.params as { id: string }
+      const parsed = MemberUpdateSchema.safeParse(request.body)
+      if (!parsed.success) {
+        return reply.status(400).send({ error: { message: 'Validation failed', details: parsed.error.flatten(), statusCode: 400 } })
+      }
+      const member = await MemberService.update(app.db, request.companyId, id, parsed.data)
+      if (!member) return reply.status(404).send({ error: { message: 'Member not found', statusCode: 404 } })
+      return reply.send(member)
+    },
+  )
+
+  app.delete(
+    '/members/:id',
+    { preHandler: [app.authenticate] },
+    async (request, reply) => {
+      const { id } = request.params as { id: string }
+      const member = await MemberService.delete(app.db, request.companyId, id)
+      if (!member) return reply.status(404).send({ error: { message: 'Member not found', statusCode: 404 } })
+      return reply.send(member)
+    },
+  )
+}
diff --git a/packages/backend/src/services/account.service.ts b/packages/backend/src/services/account.service.ts
new file mode 100644
index 0000000..aca6c81
--- /dev/null
+++ b/packages/backend/src/services/account.service.ts
@@ -0,0 +1,148 @@
+import { eq, and, or, ilike } from 'drizzle-orm'
+import type { PostgresJsDatabase } from 'drizzle-orm/postgres-js'
+import { accounts, members } from '../db/schema/accounts.js'
+import type { AccountCreateInput, AccountUpdateInput } from '@forte/shared/schemas'
+import { isMinor } from '@forte/shared/utils'
+
+export const AccountService = {
+  async create(db: PostgresJsDatabase, companyId: string, input: AccountCreateInput) {
+    const [account] = await db
+      .insert(accounts)
+      .values({
+        companyId,
+        name: input.name,
+        email: input.email,
+        phone: input.phone,
+        address: input.address,
+        billingMode: input.billingMode,
+        notes: input.notes,
+      })
+      .returning()
+
+    return account
+  },
+
+  async getById(db: PostgresJsDatabase, companyId: string, id: string) {
+    const [account] = await db
+      .select()
+      .from(accounts)
+      .where(and(eq(accounts.id, id), eq(accounts.companyId, companyId)))
+      .limit(1)
+
+    return account ?? null
+  },
+
+  async update(db: PostgresJsDatabase, companyId: string, id: string, input: AccountUpdateInput) {
+    const [account] = await db
+      .update(accounts)
+      .set({ ...input, updatedAt: new Date() })
+      .where(and(eq(accounts.id, id), eq(accounts.companyId, companyId)))
+      .returning()
+
+    return account ?? null
+  },
+
+  async softDelete(db: PostgresJsDatabase, companyId: string, id: string) {
+    const [account] = await db
+      .update(accounts)
+      .set({ isActive: false, updatedAt: new Date() })
+      .where(and(eq(accounts.id, id), eq(accounts.companyId, companyId)))
+      .returning()
+
+    return account ?? null
+  },
+
+  async search(db: PostgresJsDatabase, companyId: string, query: string) {
+    const pattern = `%${query}%`
+    const results = await db
+      .select()
+      .from(accounts)
+      .where(
+        and(
+          eq(accounts.companyId, companyId),
+          eq(accounts.isActive, true),
+          or(
+            ilike(accounts.name, pattern),
+            ilike(accounts.email, pattern),
+            ilike(accounts.phone, pattern),
+            ilike(accounts.accountNumber, pattern),
+          ),
+        ),
+      )
+      .limit(50)
+
+    return results
+  },
+
+  async list(db: PostgresJsDatabase, companyId: string) {
+    return db
+      .select()
+      .from(accounts)
+      .where(and(eq(accounts.companyId, companyId), eq(accounts.isActive, true)))
+      .limit(100)
+  },
+}
+
+export const MemberService = {
+  async create(db: PostgresJsDatabase, companyId: string, input: { accountId: string; firstName: string; lastName: string; dateOfBirth?: string; email?: string; phone?: string; notes?: string }) {
+    const minor = input.dateOfBirth ? isMinor(input.dateOfBirth) : false
+
+    const [member] = await db
+      .insert(members)
+      .values({
+        companyId,
+        accountId: input.accountId,
+        firstName: input.firstName,
+        lastName: input.lastName,
+        dateOfBirth: input.dateOfBirth,
+        isMinor: minor,
+        email: input.email,
+        phone: input.phone,
+        notes: input.notes,
+      })
+      .returning()
+
+    return member
+  },
+
+  async getById(db: PostgresJsDatabase, companyId: string, id: string) {
+    const [member] = await db
+      .select()
+      .from(members)
+      .where(and(eq(members.id, id), eq(members.companyId, companyId)))
+      .limit(1)
+
+    return member ?? null
+  },
+
+  async listByAccount(db: PostgresJsDatabase, companyId: string, accountId: string) {
+    return db
+      .select()
+      .from(members)
+      .where(and(eq(members.companyId, companyId), eq(members.accountId, accountId)))
+  },
+
+  async update(db: PostgresJsDatabase, companyId: string, id: string, input: { firstName?: string; lastName?: string; dateOfBirth?: string; email?: string; phone?: string; notes?: string }) {
+    const updates: Record<string, unknown> = { ...input, updatedAt: new Date() }
+    if (input.dateOfBirth) {
+      updates.isMinor = isMinor(input.dateOfBirth)
+    }
+
+    const [member] = await db
+      .update(members)
+      .set(updates)
+      .where(and(eq(members.id, id), eq(members.companyId, companyId)))
+      .returning()
+
+    return member ?? null
+  },
+
+  async delete(db: PostgresJsDatabase, companyId: string, id: string) {
+    const [member] = await db
+      .delete(members)
+      .where(and(eq(members.id, id), eq(members.companyId, companyId)))
+      .returning()
+
+    return member ?? null
+  },
+}
diff --git a/packages/shared/src/schemas/account.schema.ts b/packages/shared/src/schemas/account.schema.ts
new file mode 100644
index 0000000..d89d2d0
--- /dev/null
+++ b/packages/shared/src/schemas/account.schema.ts
@@ -0,0 +1,42 @@
+import { z } from 'zod'
+
+export const BillingMode = z.enum(['consolidated', 'split'])
+export type BillingMode = z.infer<typeof BillingMode>
+
+export const AccountCreateSchema = z.object({
+  name: z.string().min(1).max(255),
+  email: z.string().email().optional(),
+  phone: z.string().max(50).optional(),
+  address: z
+    .object({
+      street: z.string().optional(),
+      city: z.string().optional(),
+      state: z.string().optional(),
+      zip: z.string().optional(),
+    })
+    .optional(),
+  billingMode: BillingMode.default('consolidated'),
+  notes: z.string().optional(),
+})
+export type AccountCreateInput = z.infer<typeof AccountCreateSchema>
+
+export const AccountUpdateSchema = AccountCreateSchema.partial()
+export type AccountUpdateInput = z.infer<typeof AccountUpdateSchema>
+
+export const MemberCreateSchema = z.object({
+  accountId: z.string().uuid(),
+  firstName: z.string().min(1).max(100),
+  lastName: z.string().min(1).max(100),
+  dateOfBirth: z.string().date().optional(),
+  email: z.string().email().optional(),
+  phone: z.string().max(50).optional(),
+  notes: z.string().optional(),
+})
+export type MemberCreateInput = z.infer<typeof MemberCreateSchema>
+
+export const MemberUpdateSchema = MemberCreateSchema.omit({ accountId: true }).partial()
+export type MemberUpdateInput = z.infer<typeof MemberUpdateSchema>
+
+export const AccountSearchSchema = z.object({
+  q: z.string().min(1).max(255),
+})
diff --git a/packages/shared/src/schemas/index.ts b/packages/shared/src/schemas/index.ts
index 0090472..9a4078e 100644
--- a/packages/shared/src/schemas/index.ts
+++ b/packages/shared/src/schemas/index.ts
@@ -1,2 +1,17 @@
 export { UserRole, RegisterSchema, LoginSchema } from './auth.schema.js'
 export type { RegisterInput, LoginInput } from './auth.schema.js'
+
+export {
+  BillingMode,
+  AccountCreateSchema,
+  AccountUpdateSchema,
+  MemberCreateSchema,
+  MemberUpdateSchema,
+  AccountSearchSchema,
+} from './account.schema.js'
+export type {
+  AccountCreateInput,
+  AccountUpdateInput,
+  MemberCreateInput,
+  MemberUpdateInput,
+} from './account.schema.js'