diff --git a/packages/admin/src/components/accounts/member-form.tsx b/packages/admin/src/components/accounts/member-form.tsx
index a2bf035..1f7eb53 100644
--- a/packages/admin/src/components/accounts/member-form.tsx
+++ b/packages/admin/src/components/accounts/member-form.tsx
@@ -1,7 +1,4 @@
 import { useForm } from 'react-hook-form'
-import { zodResolver } from '@hookform/resolvers/zod'
-import { MemberCreateSchema } from '@forte/shared/schemas'
-import type { MemberCreateInput } from '@forte/shared/schemas'
 import { Button } from '@/components/ui/button'
 import { Input } from '@/components/ui/input'
 import { Label } from '@/components/ui/label'
@@ -21,34 +18,40 @@ export function MemberForm({ accountId, defaultValues, onSubmit, loading }: Memb
     handleSubmit,
     watch,
     formState: { errors },
-  } = useForm<MemberCreateInput>({
-    resolver: zodResolver(MemberCreateSchema),
+  } = useForm({
     defaultValues: {
-      accountId,
       firstName: defaultValues?.firstName ?? '',
       lastName: defaultValues?.lastName ?? '',
-      dateOfBirth: defaultValues?.dateOfBirth ?? undefined,
-      isMinor: defaultValues?.isMinor ?? undefined,
-      email: defaultValues?.email ?? undefined,
-      phone: defaultValues?.phone ?? undefined,
-      notes: defaultValues?.notes ?? undefined,
+      dateOfBirth: defaultValues?.dateOfBirth ?? '',
+      isMinor: defaultValues?.isMinor ?? false,
+      email: defaultValues?.email ?? '',
+      phone: defaultValues?.phone ?? '',
+      notes: defaultValues?.notes ?? '',
     },
   })
 
   const dateOfBirth = watch('dateOfBirth')
 
+  function handleFormSubmit(data: Record<string, unknown>) {
+    // Strip empty strings to undefined for the API
+    const cleaned: Record<string, unknown> = { accountId }
+    for (const [key, value] of Object.entries(data)) {
+      cleaned[key] = value === '' ? undefined : value
+    }
+    onSubmit(cleaned)
+  }
+
   return (
-    <form onSubmit={handleSubmit(onSubmit)} noValidate className="space-y-4">
-      <input type="hidden" {...register('accountId')} />
+    <form onSubmit={handleSubmit(handleFormSubmit)} noValidate className="space-y-4">
       <div className="grid grid-cols-2 gap-4">
         <div className="space-y-2">
           <Label htmlFor="firstName">First Name *</Label>
-          <Input id="firstName" {...register('firstName')} />
+          <Input id="firstName" {...register('firstName', { required: 'Required' })} />
           {errors.firstName && <p className="text-sm text-destructive">{errors.firstName.message}</p>}
         </div>
         <div className="space-y-2">
           <Label htmlFor="lastName">Last Name *</Label>
-          <Input id="lastName" {...register('lastName')} />
+          <Input id="lastName" {...register('lastName', { required: 'Required' })} />
           {errors.lastName && <p className="text-sm text-destructive">{errors.lastName.message}</p>}
         </div>
       </div>
diff --git a/packages/admin/src/routes/_authenticated/accounts/new.tsx b/packages/admin/src/routes/_authenticated/accounts/new.tsx
index 228563d..c384d11 100644
--- a/packages/admin/src/routes/_authenticated/accounts/new.tsx
+++ b/packages/admin/src/routes/_authenticated/accounts/new.tsx
@@ -28,7 +28,7 @@ function NewAccountPage() {
 
       // Auto-generate account name from member if not provided
       if (!accountData.name && memberFirstName && memberLastName) {
-        accountData.name = `${memberLastName}, ${memberFirstName}`
+        accountData.name = `${memberFirstName} ${memberLastName} - Account`
       }
 
       const account = await accountMutations.create(accountData)
diff --git a/packages/backend/__tests__/routes/v1/members.test.ts b/packages/backend/__tests__/routes/v1/members.test.ts
index 6977c2b..6124dc1 100644
--- a/packages/backend/__tests__/routes/v1/members.test.ts
+++ b/packages/backend/__tests__/routes/v1/members.test.ts
@@ -255,4 +255,106 @@ describe('Top-level member routes', () => {
       expect(res.json().dateOfBirth).toBeNull()
     })
   })
+
+  describe('Account inheritance', () => {
+    it('inherits email, phone from account when not provided', async () => {
+      const acctRes = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'Email Family', email: 'family@test.com', phone: '555-1234' },
+      })
+
+      const res = await app.inject({
+        method: 'POST',
+        url: `/v1/accounts/${acctRes.json().id}/members`,
+        headers: { authorization: `Bearer ${token}` },
+        payload: { firstName: 'Child', lastName: 'One' },
+      })
+
+      expect(res.statusCode).toBe(201)
+      expect(res.json().email).toBe('family@test.com')
+      expect(res.json().phone).toBe('555-1234')
+    })
+
+    it('uses member email when provided instead of account', async () => {
+      const acctRes = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'Override Family', email: 'family@test.com' },
+      })
+
+      const res = await app.inject({
+        method: 'POST',
+        url: `/v1/accounts/${acctRes.json().id}/members`,
+        headers: { authorization: `Bearer ${token}` },
+        payload: { firstName: 'Adult', lastName: 'Own', email: 'own@test.com' },
+      })
+
+      expect(res.statusCode).toBe(201)
+      expect(res.json().email).toBe('own@test.com')
+    })
+
+    it('inherits address from account when not provided', async () => {
+      const acctRes = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: {
+          name: 'Address Family',
+          address: { street: '123 Main St', city: 'Austin', state: 'TX', zip: '78701' },
+        },
+      })
+
+      const res = await app.inject({
+        method: 'POST',
+        url: `/v1/accounts/${acctRes.json().id}/members`,
+        headers: { authorization: `Bearer ${token}` },
+        payload: { firstName: 'Kid', lastName: 'Home' },
+      })
+
+      expect(res.statusCode).toBe(201)
+      expect(res.json().address.city).toBe('Austin')
+      expect(res.json().address.state).toBe('TX')
+    })
+  })
+
+  describe('State normalization', () => {
+    it('normalizes state name to code on account', async () => {
+      const res = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'State Test', address: { state: 'texas' } },
+      })
+
+      expect(res.statusCode).toBe(201)
+      expect(res.json().address.state).toBe('TX')
+    })
+
+    it('normalizes full state name to code', async () => {
+      const res = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'State Name Test', address: { state: 'California' } },
+      })
+
+      expect(res.statusCode).toBe(201)
+      expect(res.json().address.state).toBe('CA')
+    })
+
+    it('leaves unrecognized state codes as-is', async () => {
+      const res = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'Foreign Test', address: { state: 'ON' } },
+      })
+
+      expect(res.statusCode).toBe(201)
+      expect(res.json().address.state).toBe('ON')
+    })
+  })
 })
diff --git a/packages/backend/src/db/migrations/0011_member_address.sql b/packages/backend/src/db/migrations/0011_member_address.sql
new file mode 100644
index 0000000..bc3a328
--- /dev/null
+++ b/packages/backend/src/db/migrations/0011_member_address.sql
@@ -0,0 +1,2 @@
+-- Add address to member table
+ALTER TABLE "member" ADD COLUMN "address" jsonb;
diff --git a/packages/backend/src/db/migrations/meta/_journal.json b/packages/backend/src/db/migrations/meta/_journal.json
index 3a5f5c5..9186a9b 100644
--- a/packages/backend/src/db/migrations/meta/_journal.json
+++ b/packages/backend/src/db/migrations/meta/_journal.json
@@ -78,6 +78,13 @@
       "when": 1774704000000,
       "tag": "0010_member_identifiers",
       "breakpoints": true
+    },
+    {
+      "idx": 11,
+      "version": "7",
+      "when": 1774710000000,
+      "tag": "0011_member_address",
+      "breakpoints": true
     }
   ]
 }
\ No newline at end of file
diff --git a/packages/backend/src/db/schema/accounts.ts b/packages/backend/src/db/schema/accounts.ts
index 8a30600..3183d39 100644
--- a/packages/backend/src/db/schema/accounts.ts
+++ b/packages/backend/src/db/schema/accounts.ts
@@ -56,6 +56,12 @@ export const members = pgTable('member', {
   isMinor: boolean('is_minor').notNull().default(false),
   email: varchar('email', { length: 255 }),
   phone: varchar('phone', { length: 50 }),
+  address: jsonb('address').$type<{
+    street?: string
+    city?: string
+    state?: string
+    zip?: string
+  }>(),
   notes: text('notes'),
   legacyId: varchar('legacy_id', { length: 255 }),
   createdAt: timestamp('created_at', { withTimezone: true }).notNull().defaultNow(),
diff --git a/packages/backend/src/services/account.service.ts b/packages/backend/src/services/account.service.ts
index f095f66..0311957 100644
--- a/packages/backend/src/services/account.service.ts
+++ b/packages/backend/src/services/account.service.ts
@@ -21,7 +21,7 @@ import type {
   TaxExemptionUpdateInput,
   PaginationInput,
 } from '@forte/shared/schemas'
-import { isMinor } from '@forte/shared/utils'
+import { isMinor, normalizeStateCode } from '@forte/shared/utils'
 import {
   withPagination,
   withSort,
@@ -49,6 +49,14 @@ async function generateUniqueNumber(
   return String(Math.floor(10000000 + Math.random() * 90000000))
 }
 
+function normalizeAddress(address?: { street?: string; city?: string; state?: string; zip?: string } | null) {
+  if (!address) return address
+  return {
+    ...address,
+    state: address.state ? (normalizeStateCode(address.state) ?? address.state) : address.state,
+  }
+}
+
 export const AccountService = {
   async create(db: PostgresJsDatabase, companyId: string, input: AccountCreateInput) {
     const accountNumber = await generateUniqueNumber(db, accounts, accounts.accountNumber, companyId, accounts.companyId)
@@ -61,7 +69,7 @@ export const AccountService = {
         name: input.name,
         email: input.email,
         phone: input.phone,
-        address: input.address,
+        address: normalizeAddress(input.address),
         billingMode: input.billingMode,
         notes: input.notes,
       })
@@ -155,9 +163,9 @@ export const MemberService = {
       lastName: string
       dateOfBirth?: string
       isMinor?: boolean
-      isPrimary?: boolean
       email?: string
       phone?: string
+      address?: { street?: string; city?: string; state?: string; zip?: string }
       notes?: string
     },
   ) {
@@ -165,6 +173,17 @@ export const MemberService = {
     const minor = input.isMinor ?? (input.dateOfBirth ? isMinor(input.dateOfBirth) : false)
     const memberNumber = await generateUniqueNumber(db, members, members.memberNumber, companyId, members.companyId)
 
+    // Inherit email, phone, address from account if not provided
+    const [account] = await db
+      .select()
+      .from(accounts)
+      .where(eq(accounts.id, input.accountId))
+      .limit(1)
+
+    const email = input.email ?? account?.email ?? undefined
+    const phone = input.phone ?? account?.phone ?? undefined
+    const address = normalizeAddress(input.address ?? account?.address ?? undefined)
+
     const [member] = await db
       .insert(members)
       .values({
@@ -175,18 +194,12 @@ export const MemberService = {
         lastName: input.lastName,
         dateOfBirth: input.dateOfBirth,
         isMinor: minor,
-        email: input.email,
-        phone: input.phone,
+        email,
+        phone,
+        address,
         notes: input.notes,
       })
       .returning()
-
-    // Auto-set as primary if this is the only member on the account
-    const [account] = await db
-      .select()
-      .from(accounts)
-      .where(eq(accounts.id, input.accountId))
-      .limit(1)
     if (account && !account.primaryMemberId) {
       await db
         .update(accounts)
diff --git a/packages/shared/__tests__/utils/states.test.ts b/packages/shared/__tests__/utils/states.test.ts
new file mode 100644
index 0000000..f7c93e7
--- /dev/null
+++ b/packages/shared/__tests__/utils/states.test.ts
@@ -0,0 +1,43 @@
+import { describe, it, expect } from 'bun:test'
+import { normalizeStateCode, isValidStateCode } from '../../src/utils/states.js'
+
+describe('normalizeStateCode', () => {
+  it('normalizes two-letter codes', () => {
+    expect(normalizeStateCode('tx')).toBe('TX')
+    expect(normalizeStateCode('TX')).toBe('TX')
+    expect(normalizeStateCode('Tx')).toBe('TX')
+    expect(normalizeStateCode(' ca ')).toBe('CA')
+  })
+
+  it('normalizes full state names', () => {
+    expect(normalizeStateCode('Texas')).toBe('TX')
+    expect(normalizeStateCode('texas')).toBe('TX')
+    expect(normalizeStateCode('CALIFORNIA')).toBe('CA')
+    expect(normalizeStateCode('New York')).toBe('NY')
+    expect(normalizeStateCode('north carolina')).toBe('NC')
+  })
+
+  it('returns null for invalid input', () => {
+    expect(normalizeStateCode('ZZ')).toBeNull()
+    expect(normalizeStateCode('Narnia')).toBeNull()
+    expect(normalizeStateCode('')).toBeNull()
+  })
+
+  it('handles territories', () => {
+    expect(normalizeStateCode('DC')).toBe('DC')
+    expect(normalizeStateCode('Puerto Rico')).toBe('PR')
+    expect(normalizeStateCode('GU')).toBe('GU')
+  })
+})
+
+describe('isValidStateCode', () => {
+  it('returns true for valid codes', () => {
+    expect(isValidStateCode('TX')).toBe(true)
+    expect(isValidStateCode('ca')).toBe(true)
+  })
+
+  it('returns false for invalid codes', () => {
+    expect(isValidStateCode('ZZ')).toBe(false)
+    expect(isValidStateCode('Texas')).toBe(false)
+  })
+})
diff --git a/packages/shared/src/utils/index.ts b/packages/shared/src/utils/index.ts
index 8d8b12b..952a3fb 100644
--- a/packages/shared/src/utils/index.ts
+++ b/packages/shared/src/utils/index.ts
@@ -1,2 +1,3 @@
 export { formatCurrency, roundCurrency, toCents, toDollars } from './currency.js'
 export { capBillingDay, todayISO, isMinor } from './dates.js'
+export { US_STATES, STATE_CODES, isValidStateCode, normalizeStateCode } from './states.js'
diff --git a/packages/shared/src/utils/states.ts b/packages/shared/src/utils/states.ts
new file mode 100644
index 0000000..93d687b
--- /dev/null
+++ b/packages/shared/src/utils/states.ts
@@ -0,0 +1,38 @@
+export const US_STATES: Record<string, string> = {
+  AL: 'Alabama', AK: 'Alaska', AZ: 'Arizona', AR: 'Arkansas', CA: 'California',
+  CO: 'Colorado', CT: 'Connecticut', DE: 'Delaware', FL: 'Florida', GA: 'Georgia',
+  HI: 'Hawaii', ID: 'Idaho', IL: 'Illinois', IN: 'Indiana', IA: 'Iowa',
+  KS: 'Kansas', KY: 'Kentucky', LA: 'Louisiana', ME: 'Maine', MD: 'Maryland',
+  MA: 'Massachusetts', MI: 'Michigan', MN: 'Minnesota', MS: 'Mississippi', MO: 'Missouri',
+  MT: 'Montana', NE: 'Nebraska', NV: 'Nevada', NH: 'New Hampshire', NJ: 'New Jersey',
+  NM: 'New Mexico', NY: 'New York', NC: 'North Carolina', ND: 'North Dakota', OH: 'Ohio',
+  OK: 'Oklahoma', OR: 'Oregon', PA: 'Pennsylvania', RI: 'Rhode Island', SC: 'South Carolina',
+  SD: 'South Dakota', TN: 'Tennessee', TX: 'Texas', UT: 'Utah', VT: 'Vermont',
+  VA: 'Virginia', WA: 'Washington', WV: 'West Virginia', WI: 'Wisconsin', WY: 'Wyoming',
+  DC: 'District of Columbia', PR: 'Puerto Rico', VI: 'Virgin Islands', GU: 'Guam',
+  AS: 'American Samoa', MP: 'Northern Mariana Islands',
+}
+
+export const STATE_CODES = Object.keys(US_STATES)
+
+export function isValidStateCode(code: string): boolean {
+  return code.toUpperCase().trim() in US_STATES
+}
+
+const STATE_NAME_TO_CODE: Record<string, string> = Object.fromEntries(
+  Object.entries(US_STATES).map(([code, name]) => [name.toLowerCase(), code]),
+)
+
+export function normalizeStateCode(input: string): string | null {
+  const trimmed = input.trim()
+  const upper = trimmed.toUpperCase()
+
+  // Direct code match (TX, CA, etc.)
+  if (upper in US_STATES) return upper
+
+  // Full name match (Texas, california, etc.)
+  const byName = STATE_NAME_TO_CODE[trimmed.toLowerCase()]
+  if (byName) return byName
+
+  return null
+}