• Personal Accounts
• Business Accounts

Items Needed to Open Personal Accounts

Personal Account :

• Valid Picture ID (Can be used to verify Name, DOB and address)
• Social Security number
• If the SS # is not verified by Equifax, need copy of SS card.
• Physical address (If uses PO Box for mailing)
• Equifax Report (Verifies OFAC and 4 CIP requirements)
• If physical address not verified by Equifax, need second form of address verification. (Lease, utility bill, pay stub, etc)
• If physical address given doesn’t match address on picture ID, need second form of address verification.
• If minor is 15 years or younger, only needs copy of SS card and have a qualifying adult as Co-owner. (16 years and over, regular CIP applies-also must have qualifying adult co-owner if under 18 years old)
• Non-citizens:
  • Passport or Resident country picture ID and VISA
  • Resident Alien Card and Work purposes Tax ID card       

Trust Account:

• Valid picture ID and SS# for Trustee(s)
• Trust documentation confirming the Trustee(s)
• IRS document verifying the Tax ID# for the Trust

ITEMS NEEDED TO OPEN BUSINESS ACCOUNTS

Sole Proprietorship "DBA"

• Valid Picture ID for all signers
• Any documents verifying business (i.e.: Secretary of State, Business License, Tax Return) “Not required for DBA but helpful”
• Will run Equifax Report for Individual opening account
• Will print Sole Proprietor Resolution at account opening for customer to sign 

Business/Corp., LLC, etc

• Valid Picture ID for all signers
• Corporation Resolution/LLC Papers
• IRS document verifying Tax ID#

Personal Accounts

• Valid Picture ID for all signers
• If address on picture ID does not match current address, must provide address verification
• Will run Equifax Report for all owners of account.

* The U.S. Patriot act requires banks to verify the identification of all individuals and businesses opening accounts.

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