Beginning Process

1. If the client is new to CCB, meet him or her in person.
2. Ask the client to complete the Client Profile sheet. Once completed, review and discuss immediate and future needs and expectations.
3. Place the Personal Account/Cross-Sell Information sheet facing the client. Ask the client to complete the bottom portion of the sheet, then assist the client in selecting the account that best meets his/her needs. (For more information see New Account Qualifying Questions.) 
4. Explain the account benefits including minimum balance requirements and additional services available (Fiduciary Access to Debit Cards and Online Banking Services, Bounce Protection, Mobile Banking, Zelle, and Bank Direct services). 
   1. For product types, features, and benefits details, see the Product Knowledge Center.
   2. Cross-sell additional products and services to meet the client's needs using the Personal Account/Cross-Sell Information sheet.
5. Discuss office locations, business hours, Instant Issue locations, ITM Locations, and CCB history.
6. Depending on the type of client, do one of the following:

   • New Clients

     Obtain one primary and one secondary or two primary forms of identification from all owners and signers. Note: All primary identification must be valid (not expired) and contain a photograph.

     Delete

   • Existing clients

     Request one form of primary identification. In addition, you can request the Inquiry Identification Code (IIC) from the client. 

     Delete
7. Carefully examine the identification for the expiration date, client’s date of birth, photograph, and signature of the client. Note: If the personal identification documentation is not provided, do not open the account. See Detecting Red Flags in ID Verification.
8. Obtain the appropriate legal documentation for the corresponding fiduciary account type. Note: You MUST provide the documentation to Call Me Direct for review and approval prior to opening a fiduciary account. 
   • Click the links below for details on the required documentation:
     • Escrow
     • Estate
     • Guardianship
     • Irrevocable Trust and Fund accounts
     • Revocable (Grantor) trust
       
     • Representative payee
     • Uniform Transfer To Minors act
     • Veterans Administration Custodial account

9. The query for existing personal CIF

   1. In Xperience > SilverLake >  CIF Menu > CIF Inquiry.
   2. Search by client TIN. 
   3. If you do not find an existing CIF, navigate to Building a Personal CIF.
   4. For each CIF found, click the client name or CIF. Note: Query the existing account and relationship CIF(s), and ensure the following information is up-to-date:  
      • Inquiry Identification Code -- required
      • Mailing address
      • IRS address
      • Phone number(s)
      • Email address
      • Primary and secondary identification information (for example: number, issue date, expiration date)

   Delete
10. In Xperience > SilverLake >  StreamLine Platform Menu > Create New Accounts.
11. On the Inquiry/Website Selection page, determine if a ChexSystems inquiry is required.
    1. If an inquiry is required, check Inquire using ChexSystems.
12. Click OK.
13. Once the StreamLine New Account Entry page displays, continue by clicking the Estate tab.

Build the CIF

Use the following information to build the Estate CIF:

Build the Account

On the StreamLine New Account Entry page, do the following:

1. In the Branch field, enter Branch number. 
2. From the Application drop-down menu, choose D - DDA.
3. In the Platform Type field click the ellipsis  for product options.
4. Select the appropriate consumer product type and click OK.
5. In the Account Number field click the ellipsis to populate an account number and click OK.
6. The first CIF pulled into an account will always be the primary account holder. Be sure you double-check the relationship codes to ensure you are pulling in the correct person or entity.

   • Estate Relationship Codes

     • P - Primary (Estate)
     • X - Executor (Personal Representative)
       

     Delete
7. Enter the client's name (LAST name FIRST name), CIF #, or TIN.
8. Click OK. Xperience displays the following message: Existing Customer found. 
9. Click Select.
10. Review the CIF information and update accordingly.
11. If the client is using an alternate mailing address, make the appropriate selection and enter information accordingly. For more information see the Alternate Address tab under Address Changes.
12. Click OK.
13. Delete the client name in the Short name, CIF, or TIN number field.
14. In the Short name, CIF, or TIN number field, enter the executor (personal representative) of the estate name (LAST name FIRST name).
    • Be sure you double-check the relationship codes to ensure you are pulling in the correct person or entity.

    • Estate Relationship Codes

      • P - Primary (Estate)
      • X - Executor (Personal Representative)

      Delete
15. Click OK.
16. Click Display.
17. Click Select.         
18. In the Relationship Details section, click the ellipsis then Next Records to choose X EXECUTOR. 
19. Click Select. 
20. Click OK. Xperience now displays both the primary and executors under the Relationship field.
21. Delete the client name in the Short name, CIF, or TIN number field.
22. Click OK.
23. If required, on the Deposits Master screen click the ellipsis to add an Account Officer Code. 
24. Click OK.
25. Title the account in the Customer Details fields. ESTATE OF {Client's name} auto-populates in the Customer Name field.  
26. In the Additional Name 1 field enter the name of the authorized signer (for example:  {Client's name} Personal Representative).

27. Line 1 Is this a New Account?

    1. Click the ellipsis .
    2. Select Y Yes.

    Delete

28. Line 2 Reg E ATM/OD Opt-in Flag

    Estate accounts are not eligible for bounce protection. For more information see Regulation E.

    1. Click the ellipsis .
    2. Select D DECLINE.

    Delete

29. Line 20 Class Code 

    1. Click the ellipsis .
    2. Click Next Records.
    3. Choose E ESTATE. Note: If the account is an IRA, I INDIVIDUAL displays by default in the class code field.
    4. Click Select.

    Delete

30. Line 30 Initial Deposit Amount

    
    Enter the amount the client is depositing. Note: The initial deposit must be either $50 in cash or in approved checks. This information prints on the signature card.
    Delete

31. Line 45 Primary CIF Inquiry Code

    Enter this code when building the CIF. If the field is blank, ask the client to choose an Inquiry ID Code.

    Delete

32. Line 160 Marketing Code

    1. Click the ellipsis .
    2. Select the appropriate code (for example: BB Billboard, CA Consumer Deposit Acquisition, RF Referral, Friend, Family, FB Facebook).

    Delete

33. Line 990 Source of Funds

    1. Click the ellipsis .
    2. Choose one of the following:
       • G Existing  Client - New $ Bank
       • G1 Existing Client - Existing $
       • 1N New Client  
    3. Click Select.
       

    Delete
34. Click OK. 
35. Verafin launches in a new window. 
36. Complete a Due Diligence questionnaire using Verafin. For more information on Verafin click here.
37. Xperience displays a message indicating all fields have been verified.  
38. Click OK.

39. Line 10 Ownership of Account

    1. Click the ellipsis .
    2. Click Next Records.
    3. Select ES ESTATE ACCOUNT.

    Delete

40. Line 120 If NEW Account, was the Verafin Questionnaire completed?

    • If creating a new account, enter Y - Yes.
    • If revising an account, enter N - No.

    Delete

41. Line 140 If Revised Account, was CIF and Verafin Questionnaire Update?

    • If creating a new account, enter N - No.
    • If revising an account, enter Y - Yes. 

    Delete

42. Line 260 Is this a Business Account Type?

    1. Click the ellipsis .
    2. Select N NO.
    3. Click Select.

    Delete

43. Line 265 Is Business a Foreign Entity?

    1. Click the ellipsis .
    2. Select N NO.
    3. Click Select.

    Delete

44. Line 270 Is this a Fiduciary Account Type?

    1. Click the ellipsis .
    2. Select Y Yes. 
    3. Click Select.

    Delete
45. Click OK. Xperience displays a message indicating all fields have been verified. 
46. Click OK.

47. Line 10 Rights at Death

    1. Click the ellipsis .
    2. Select S - Single Party Account (Florida and Alabama only).

    Delete

48. Line 50 Do you have more than 4 signers?

    1. Click the ellipsis .
    2. Select  N NO.
    3. Click Select.

    Delete
49. Click OK. Xperience displays a message indicating all fields have been verified. 
50. Click OK.
51. On the Optional Record Items screen, select all that apply:
    • AFT records
    • Sweep records
    • ATM (Passport) 
    • Messages
52. On the StreamLine New Account Entry screen, from each drop-down menu choose: 
    1. View/Print/Email Documents? Select Y - Yes.
    2. Upload Account? The system defaults to N-No. 
       1. Click View Documents.  
       2. In the View Order box type 1 for the FL Signature Card to review the signature card for accuracy prior to uploading the account. 
    3. Another account for these customers?
       1. Select N - No. 
       2. If there are no more accounts to be opened for the client click OK. 
       3. If the client wishes to open another account (for example: Savings) select Y - Yes. 
53. Click OK. 
54. From the Submit to eSign drop-down menu select B - Both eSign and Print for Print Selection items.  
55. Click OK. A new window opens for eSign. See eSign for more information.
56. Ensure the accuracy of information under the Backup Withholding Certifications section. 
57. Certify the TIN of the primary owner.
58. If the client registered for Online Banking, advise the client that he/she will be required to accept the Online Banking Terms & Conditions when first logging in to Online Banking.
59. Give the client the welcome packet and all required disclosures and brochures including the Terms and Conditions brochure, the Services and Fees brochure, Truth-in-Savings Disclosure, and Truth-In-Savings Addendum. 
60. Review the materials with the client. 
61. Give a copy of the signature card to the client.
    1. Ensure the client reviews the signature card for accuracy of the information he/she has provided and acknowledges receipt of a completed copy of the form.
    2. For Florida accounts, ensure the client initials the Ownership and Rights at Death Sections.
62. If all documents have been signed using eSign, submit them using eSign. Any documents not submitted through eSign place with the daily work for imaging following the Document Imaging procedures.  
63. For a resolution, do the following (not every account has a resolution):
    1. Have the client verify all information on the resolution.
    2. If a secretary for the business is designated in the provided legal documents, have him or her sign the resolution in the fields indicated. 
    3. Have the designated signers complete the Powers Granted section to indicate that those designated by legal documents or the supporting affidavit have the authority to perform the following acts:
       • Endorse checks and orders for the payment of money
       • Make withdrawals 
       • Transfer funds on deposit with CCB
64. If the client wants checks, order new checks in Streamline. The client’s account is automatically debited in 3-4 weeks.
65. Accept the opening deposit from the client, which must be either $50 in cash or $50 in approved checks. Note: For opening deposits made by check(s), see place a new account hold.  
66. Complete the appropriate credit memo ticket for the following accounts:
    • Checking/money market account – Checking/MMA credit memo 
    • Savings/Club account – Savings/Club credit memo 
67. Complete the following information legibly on the credit memo:
    1. Date
    2. Title of account
    3. Account number
    4. Tran. code
    5. Client's initial deposit
    6. Approved by
68. Write the client's initial deposit legibly above the account number.
69. Take the credit memo ticket to the teller line with the new account deposit.
70. The teller completes the deposit transaction and provides a receipt to the client.

Signature Card Example

Florida & Alabama
Georgia

Quick Reference Guide