• An authorizing representative — either the secretary or acting secretary

If you need to add authorized signers to the account, they should be present at account opening. If they cannot be present, they can be pre-authorized during account opening, but will need to go to the branch, with appropriate forms of ID, within 30 days, to be authorized.

Personal Identification:

• Two forms of ID are required. One ID must be a government-issued ID.
• Primary ID examples:
  • U.S. citizens: state-issued driver’s license, passport, etc.
  • Non-U.S. citizens:
    • Permanent residents:
      • Permanent Resident Alien Card (Green Card), state-issued driver’s licenses, state-issued ID card, passport, etc.
      • Non-permanent residents:
        • Passport, matricula, or U.S. Employment Authorization Card
• Secondary ID examples:
  • Credit/debit card with embossed name, employer ID, utility bill, etc. Credit/debit cards are not a valid form of ID for non-U.S. citizens.
  • Proof of address or date of birth may be required. Additional forms of ID may be required for non-U.S. citizens.

Tax Identification Number:

• An Employer Identification Number (EIN) is required.

Business Documentation:

• An unincorporated business association or organization will need one of the following:
  • Website validation from state or county (all states except Delaware and New Jersey); validation must indicate valid status (e.g., active, in good standing, not expired, in compliance) and be available without a fee.
  • An assumed name certificate may be required if your business is operating with a DBA (Doing Business As). This certificate may also be known as a trade name certificate, fictitious business name statement or DBA. It is not required in HI, KS, MS, NE, NM, SC, WI and WY. Contact your local branch to confirm if this is required for your business.

If Organization or Association is using their own EIN:

• Articles of association
• Charter document validating existence
• IRS Confirmation of EIN Issuance

If Organization or Association is using EIN of national or regional organization:

• Letter of authorization from national or regional office (must include EIN of national or regional office)

You may also need:

• For individuals holding key roles in the unincorporated business association or organization:
  • Supplemental documentation: Listing the current officers of the unincorporated business association or organization, such as meeting minutes

Business Operations Info:

• To comply with federal regulations, we will also ask you for some basic information on your business’s operations, such as:
  • Number of business locations
  • Where products and services are sold
  • Where suppliers and vendors are located
  • Nature of your business
  • Annual sales
  • Number of employees
  • Types of transactions and volumes you expect to process through the new account

Authorized Account Users (Non-Signers):

• If you’d like to provide access to authorized employees to transact on behalf of your business, we will ask you for the following information, but the employee does not need to be present:
  • Full name as it appears on the employee’s government-issued ID
  • Employee’s residential address
  • Employee’s date of birth

For all individuals holding key roles in the unincorporated business association or organization:

• Full name as it appears on the individual’s government-issued ID
• Residential address 
• Senior managers require additional information:
  • Date of birth
  • Tax Identification Number (e.g., SSN, ITIN, FTIN)
  • Country of citizenship
• Non-U.S. Citizen without a Permanent Resident Alien Card (Green Card) only: provide identification information from either passport or matricula consular card (i.e., ID number, issuance, expiration date). The physical ID is not required to be shown for those individuals who do not need to be present. However, the physical ID must be scanned if that individual is a citizen of an OFAC country.