Opening the Account

Level-up checking accounts are available to students ages 13-17 years as joint ownership accounts with an adult parent, relative, or guardian.

At age 19, the Level Up account will be changed to an Evolve account type, and the account holder will be notified.

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 LE LEVEL UP CHECKING.
5. Click OK. Note: The first CIF pulled into an account must always be the primary (Minor) so double-check the relationship codes to ensure you’re pulling in the correct person first.

6. Relationship Codes

   P - Primary (Minor)
   J- Joint (Parent, Guardian, or Relative)

7. Account Number Type is a blank field, no entry required.
8. In the Account Number field click the ellipsis to populate an account number and click OK.
9. Enter the client's name (LAST name FIRST name), CIF # or TIN and click OK.
10. Xperience displays the following message: Existing Customer found. Click to Select. 
11. Click Select.
12. Review the CIF information and update accordingly.
13. If the client will be using an alternate mailing address, make the appropriate selection and enter information accordingly. For more information see the Alternate Address tab under Address Changes.
14. Click OK
    • Xperience will update to reflect the New Account Entry Items to display the primary account owner. 
15. To pull in your Joint owner, delete the client name in the Short name, CIF or TIN number field, and enter the information for the joint owner.
16. Click OK.
17. Click Display.
18. Click Select. 
19. In the Relationship Details section, click the ellipsis  then Next Records to choose J JOINT.
20. Click Select. 
21. Click OK.
22. Xperience now displays both the Primary and Joint under the Relationship field.
23. Delete the client name in the Short name, CIF or TIN number field.
24. Click OK.
25. If required, on the Deposits Master screen click the ellipsis to add an Account Officer Code. 
26. Click OK.
27. Title the Account in the Customer Details fields. {Client's name} will auto-populate in the Customer Name field.
    • In the Additional Name 1 field enter the name of the joint owner (for example:  Or {name of joint owner}). 

28. Line 1 Is this a New Account?

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

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

    For more information see Regulation E.

    • When opening a Level Up Checking or Savings account, this field defaults to I Ineligible.

30. Line 20 Class Code 

    1. Click the ellipsis .
    2. Click Next Records.
    3. Choose J JOINT/MULTI-PTY.
    4. Click Select.

31. Line 30 Initial Deposit Amount

    1. Enter the amount the client will deposit. Note: Initial deposit must be either $50 in cash or in approved checks. This information prints on the signature card.
       

32. Line 40

    Only required if you need Misc. forms

33. 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.

34. Line 160 Marketing Code

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

35. 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.
       
36. Click OK.
37. Verafin launches in a new window. Complete all questions.
38. Xperience displays a message indicating all fields have been verified.  
39. Click OK.        

40. Line 10 Ownership of Account

    1. Click the ellipsis .
    2. Click Next Records.
    3.  Select one of the following:  
       • M Multiple-Party Account (Florida & Alabama Only)  
       • JW Joint with Survivorship (Georgia Only)
    4. Click Select.

41. 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.

42. Line 140 If Revised Account, was CIF and Verafin Questionnaire Updated?

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

43. Line 260 Is this a Business Account Type?

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

44. Line 265 Is Business a Foreign Entity?

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

45. Line 270 Is this a Fiduciary Account Type?

    1. Click the ellipsis .
    2. Select N No. 
    3. Click Select.
46. Click OK.
47. Xperience displays a message indicating all fields have been verified.  
48. Click OK.   

49. Line 10 Rights at Death (FL/AL) / Revocable Trust or Pay on Death (GA)

    1. In Georgia, leave this field blank.
    2. In Florida and Alabama only, click the el)lipsis to select MR Multi Party Account with Right of Survivorship.

50. Line 20 MSG Name or Names of Beneficiaries 

    
    

    If the client will be adding a POD, do the following:
    
    

    Click the ellipsis .

    1. Select Y YES. 
    2. Click OK. 

51. Line 40 Do you have additional Signers?

    1. Enter N unless there are more than 4 signers.
    2. Click OK.

    Delete
52. Enter beneficiary information as follows:
    1. First name 
    2. Last name 
    3. Date of birth 
    4. At least the last 4 of SSN
    5. Relationship for all beneficiaries
53. Click OK twice.
54. Xperience displays a message indicating all fields have been verified.  
55. Click OK.  
56. On the Optional Record Items screen, select all that apply:
    • AFT records
    • Sweep records
    • ATM (Passport) 
    • Messages
57. 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 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.
58. Click OK. 
59. From the Submit to eSign drop-down menu select B - Both eSign and Print for Print Selection items.
    
60. Click OK. A new window opens for eSign. See eSign for more information.
61. Verify the information under the Backup Withholding Certifications section. 
62. Certify the TIN of the primary owner.
63. 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.
64. 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. 
65. Review the materials with the client. 
66. 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.
67. If all documents have been signed via a eSign upload account, submit them using eSign. Any documents not submitted through eSign place with the daily work for imaging following the Document Imaging procedures.  
68. 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
69. If the client wants checks, order new checks in Streamline. The client’s account will be automatically debited in three to four weeks.
70. 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.  
71. 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.
72. 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
73. Write the client's initial deposit legibly above the account number.
74. Take the credit memo ticket to the teller line with the new account deposit.
75. The teller completes the deposit transaction and provides a receipt to the client.

Signature Card Example

Florida & Alabama

Georgia

Quick Reference Guide