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What you'll need to open a business deposit account

CA, 94105 Change Location

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:

  • Business License
  • Fictitious Name Certificate or Statement
  • Certificate of Assumed Name
  • Organization/Association Articles or Bylaws
  • Certificate of Formation
  • Certificate of Organization
  • Statement of Organization
  • Certificate of Registration
If you do not have one of the above or comparable documentation issued by a government agency, please provide governing documentation for your business entity such as board resolutions and meeting minutes. If you do not have documents issued by a government agency, all authorized signers need to be present.

Need Additional Information?

Talk to your banker. Call 1-800-416-8658