diff --git a/factories/accounts.rb b/factories/accounts.rb
index a2b558d..4284b95 100644
--- a/factories/accounts.rb
+++ b/factories/accounts.rb
@@ -1,7 +1,9 @@
 # frozen_string_literal: true
 
 FactoryBot.define do
-  factory :account_with_user, class: Account do
+  factory :empty_account, class: Account
+
+  factory :account_with_user, parent: :empty_account do
     association :user
   end
 end
diff --git a/factories/membership_applications.rb b/factories/membership_applications.rb
index 53a9fef..c4e40d8 100644
--- a/factories/membership_applications.rb
+++ b/factories/membership_applications.rb
@@ -2,7 +2,7 @@
 
 FactoryBot.define do
   factory :membership_application do
-    association :account, factory: :account_with_user
+    association :account, factory: :empty_account
     association :country_state
 
     first_name { Faker::Name.first_name }
diff --git a/factories/users.rb b/factories/users.rb
index dc14bcc..620a200 100644
--- a/factories/users.rb
+++ b/factories/users.rb
@@ -2,6 +2,8 @@
 
 FactoryBot.define do
   factory :user do
+    association :account, factory: :empty_account
+
     email { Faker::Internet.email }
     password { Faker::Internet.password }
     password_confirmation { password }