• Member-managed LLC — all members
• Manager-managed LLC — all managers
  • If one of the managers or members of the LLC is another business, an authorizing representative of that business must also be present.

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
  • Single Member LLCs may use their SSN or ITIN
  • Individual Taxpayer Identification Number (ITIN) may be used for non-U.S. citizens

Business Documentation:

• LLCs will need one of the following:
  • Articles of Organization: this certificate may also be known as Certification of Organization or Certificate of Formation (must be registered, certified or stamped by appropriate state agency).
  • 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.
  • Active status verification: LLCs registered more than one year ago also require one of the following: certificate of good standing, status report, long form standing or short form standing.
  • 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 your business is organized in another state, but operates in the state in which the account is opened, documentation is required to certify that the business is entitled to operate in the state in which the business address is located.

Supplemental Documentation listing the current members or managers of the LLC (one of the following):

• Certified amendment to the articles of organization or certificate of formation
• Operating agreement
• Meeting minutes
• Annual report or statement of information

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 owners/shareholders with 10% or more ownership:

• 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:
  • Legal first name and last name
  • Legal business name — only used when an owner of the LLC is another entity/trust
  • Residential address — business address only required if owner is a business
  • Percentage of ownership
  • 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.

If applying for a Business Credit Card or Safe Deposit Box it is required to collect the above information for those owners with 25% or more ownership.