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 Business 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, 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

     For all business signers present, obtain a Social Security Number (SSN) or Tax Identification Number (TIN) and 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.
     For business signers not present, obtain their names, addresses, dates of birth, and occupations.

     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 required Business Legal Documentation for the type of business.
9. Review the Business Legal Documents.
10. For money services businesses (MSB), privately-owned ATM (PATMO), nongovernmental organizations/charities, or professional service providers, see Specific Business Entity Requirements. 
11. Identify any Beneficial Ownership.

12. Query for existing personal CIF

    • See CIF Requirements for Business Entities.
    • In Xperience > SilverLake >  CIF Menu > CIF Inquiry.
    • Search by client TIN. 
    • If you do not find an existing CIF, navigate to Building a Non-Personal CIF and see Building the CIF tab for data entry details.
    • 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
13. In Xperience > SilverLake >  StreamLine Platform Menu > Create New Accounts.
14. On the Inquiry/Website Selection page, determine if a ChexSystems inquiry is required.
    1. If an inquiry is required, check Inquire using ChexSystems
15. Click OK.
16. The StreamLine New Account Entry page displays.
17. Continue to the Opening the Account tab.

Opening 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 - Demand Deposit Account (DDA).
3. In the Platform Type field click the ellipsis for product options.
4. Select the product type and click OK.
5. In the Account Number field click the ellipsis to populate an account number.
6. Click OK.
7. The first CIF pulled into an account is always the primary account holder. 
8. Enter the name of the Political Action Committee (PAC), Client Identification File (CIF) #, or Tax Identification Number (TIN).
9. Click OK. Xperience displays the following message: Existing Customer found. 
10. Click Select.
11. Review the CIF information and update accordingly.
12. 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.
13. Click OK.
14. Delete the client name in the Short name, CIF, or TIN number field.
15. In the Short name, CIF, or TIN number field, enter officer/treasurer name (LAST name FIRST name).
    • Be sure you double-check the relationship codes to ensure you are pulling in the correct person or entity.

16. PAC Relationship Codes

    • P - Primary (Political Action Committee)
    • O - Prin/Officer (Treasurer)
    • I - Influence (Signer)

    Delete
17. Click OK.
18. Click Display.
19. Click Select.         
20. In the Relationship Details section, click the ellipsis then Next Records to choose accordingly. 
21. Click Select. 
22. Click OK. 
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 ellipsisto add an Account Officer Code. 
26. Click OK.

27. Line 1 Is this a New Account?

    • Click the ellipsis.
    • Select Y Yes.

    Delete

28. Line 20 - Class Code

    • Click the ellipsis.
    • Choose Y - Campaign/PAC. 
    • Click Select.

    Delete

29. 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

30. 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

31. Line 160 - Marketing Code

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

    Delete

32. Line 990 - Source of Funds

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

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

38. Line 10 Ownership of Acocunt

    • Click the ellipsis.
    • Select PC - Political Action Committee.

    Delete

39. 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
    • For more information on Verafin click here.

    Delete

40. 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. 
    • For more information on Verafin click here.

41. Line 260 Is this a Business Account Type?

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

42. Line 265 Is Business a Foreign Entity?

    1. Click the ellipsis.
    2. Select Y YES or N NO accordingly.
    3. Click Select.
43. Line 270 Is this a Fiduciary Account Type?

    • Click the ellipsis.
    • Select N NO. 
    • Click Select.

44. Click OK. Xperience displays a message indicating all fields have been verified. 

45. Click OK.

46. Line 40 

    Enter the Entity # that you DO NOT want to print on the signature card.

    Note: We DO NOT want the political action committee listed on the signature card as a signer.

47. Click OK. Xperience displays a message indicating all fields have been verified.

48. Click OK. 

49. Line 40 - Nature of Business
50. Line 60 - County Business is Located in
51. Line 70 - State Business is Located In
52.  Line 110 Do you have more than 4 signers?
    1. Click the ellipsis.
    2. Select  Y YES or N NO accordingly.
    3. Click Select.
53. Is A FACSIMILE Signature Allowed? Enter N for No or Y for Yes. 
    • If you enter Y, then a Resolution for Machine Signed Signatures generates for the client to authorize this type of signature. Obtain a sample of the facsimile signature being used on this document.
      • Enter the following on the Res For Machine Signed Sig screen:
        • Regular or Special Meeting
        • Secretary Name of the entity
        • Date Regular or Special Meeting Held - MMDDYY
54. Click OK until Xperience displays a message indicating all fields have been verified. 
55. On the Optional Record Items screen, select all that apply:
    • AFT records
    • Sweep records
    • ATM (Passport) 
    • Messages
56. 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. 
57. Click OK. 
58. From the Submit to eSign drop-down menu select B - Both eSign and Print for Print Selection items.  
59. Click OK. A new window opens for eSign. See eSign for more information.
60. Ensure the accuracy of the information under the Backup Withholding Certifications section. 
61. Certify the TIN of the primary owner.
62. If the client registered for Online Banking, advise the client that he/she is required to accept the Online Banking Terms & Conditions when first logging into Online Banking.
63. 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. 
64. Review the materials with the client. 
65. 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.
66. If all documents have been signed using eSign, submit them using eSign.  Note: Any documents not submitted through eSign place with the daily work for imaging following the Document Imaging procedures.  
67. If the client wants checks, order new checks in Streamline. The client’s account will automatically be debited in 3-4 weeks.
68. 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.  
69. 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 
70. Complete the following information legibly on the credit memo:
    • Date
    • Title of account
    • Account number
    • Tran. code
    • Client's initial deposit
    • Approved by
71. Write the client's initial deposit legibly above the account number.
72. Take the credit memo ticket to the Teller line with the new account deposit.
73. The Teller completes the deposit transaction and provides a receipt to the client.
74. Discuss Night Depository Service with the client.