Sign On
When opening a business checking or savings account, we are required by law to verify your business as well as the individuals associated with your business. All owners, partners and key executives must be present at the time of account opening if applying in a branch.
You will be asked to complete and sign the following items:
- Authorization for Information and Certificate of Authority which includes business and individual information and authorizes us to check your credit.
- Certification Regarding Beneficial Owners of Legal Entity Customers. Your application will require collection of all individuals or an entity that owns 25% or more of your business (beneficial owners).
You will be asked to provide the following documentation:
When applying in a branch, we recommend you provide a specific document to verify your business is registered with a government agency, such as Secretary of State. When applying online, we may ask you to upload this document.
If your business is not registered with a government agency, the list below will help you determine which document is needed based on your legal business structure.
If the document you provide to verify your business does not accurately reflect the physical address of your business, you will need to provide additional documentation for address verification.
Sole Proprietor
If the business name does not include the legal first and last name of the owner, you will need one of the following original or certified business documents:
- Fictitious Name Certificate or Statement
- Certificate of Assumed Name
- Business License
- Registration of Trade Name
For example: If the owner’s legal name is Jan Johnson, and the business name is Johnson Jewelers, you will need the additional documentation. However, if the business name is Jan Johnson Jewelers, you will not.
Partnerships
General Partnership
You will need one of the following original or certified business documents:
- Partnership Agreement
- Fictitious Name Certificate or Statement
- Certificate of Assumed Name
- Business License
If you do not have one of the documents noted above and you have not filed the appropriate documents with a government agency, bring a written statement signed by all partners indicating no written Partnership Agreement exists. If you don't have documents issued by a government agency, all authorized signers need to be present.
Limited Partnership
You will need one of the following original or certified business documents:
- Certificate of Limited Partnership
- Limited Partnership document
Limited Liability Partnership
You will need one of the following original or certified business documents:
- Statement of Qualification
- Limited Partnership document
- Limited Liability Partnership Election
Limited Liability Company
You will need one of the following original or certified business documents:
- Articles of Organization
- Certificate of Organization
- Certificate of Formation
Corporation
You will need one of the following original or certified business documents:
- Articles of Incorporation
- Certificate of Good Standing
- Certificate of Formation
Social/Recreational Clubs, Unincorporated Associations and Civic Groups
You will need one of the following original or certified business documents: