Account owners can request to add a new signer to their accounts in two circumstances:  

• The new signer is a joint owner
• The new signer is a convenience signer

Note: A convenience signer can ONLY be added to a single party account in Florida and Georgia. Alabama does not allow for convenience signers on accounts.

Verify the following before proceeding:

• Inquire on the client’s CIF record and all joint owners’ CIF records for the following message: Bank Direct Automated Transfer Service. If the account is set up for that service, see the procedures that cover changes to related accounts in Bank Direct Automated Transfer Service procedures.
• If this account is held as collateral on a loan (for example: a savings or certificate and the screen shows a hold), contact the loan officer to obtain proper loan documentation.

To add a new signer to an account as a joint owner, do the following:

1. Obtain and record valid identification of the owner and the new signer on the account.
2. Verify using SSN or TIN that the signer being added does not have an account in a charged off status with CCB.
3. If new signer passes screening from step 2, then proceed. From SilverLake, click Streamline Platform Menu > Recall Existing Accounts From Core.
4. If applicable, run a ChexSystems inquiry on new signer by clicking the Inquire Using ChexSystems button, and then clicking OK. 
5. Launch Verafin and then click OK.  
6. After completing step 4 (if applicable) and step 5, click OK at top of screen.
7. Under Account Number Lookup, click the Application drop-down box and select the account type to update.
8. Enter Account Number. The Branch and Platform Type fields auto-populate.
9. Click OK.
10. The primary account owner's information appears under Customer Details (if other joint owners are already on the account their information also shows under Additional Names 1 and/or 2.) Click Relationships at the top to begin adding new joint owner or convenience signer.
11. In the text box that reads Short Name, CIF or TIN #, enter the SSN for the person you are adding to the account. If he/she does not already have a CIF, create one. Otherwise, verify that the existing CIF does not need maintenance.
12. After the CIF has been created or updated, click the Relationship drop-down box and select the appropriate code. Choose J if adding a joint signer and choose Q if adding a convenience signer.
13. Click OK.
14. Click Update Documents/CIF. The Update all relationship information? message appears.
15. Click Yes.
16. Click OK.
17. The names of all account owners appear under the Customer Details section.
18. Do the following:

• You must enter the word or before the joint owner(s) name(s) on Additional Names lines 1 and 2.
• The convenience signer's name does not appear as part of the account titling in this section. It appears only at the bottom of the signature card. 
• If there will be a pay-on-death beneficiary added to the account, include the phrase POD Account below all signers' names in the titling.

18. In the Streamline Account Maintenance-Change section, complete each listed line as follows:

• Is This A New Account? Enter N for No. 
• Reg E ATM/OD Opt-In Flag - Select the appropriate code based on client opt-in choice.
• Branch Number - Defaults to office of record. No entry needed.
• Date Opened - Defaults to open date. No entry needed.
• Class Code - Verify that it is correct (press F4 for list).
• Officer - Enter officer, if applicable.
• Initial Deposit Amount - No entry needed.
• Check Order: Pers=P Bus=B - If ordering checks at the time of account update, enter appropriate code.
• Miscellaneous Forms - Type Y if you need misc. forms. 
• Primary CIF Inquiry Code - Ask client for the code he/she would like to use and enter it here. 
• Need CCB Consumer Online? No entry needed. If the client wants to register for Online Banking, see here.
• Combined statement request - No entry needed. For more information on combined statements, see here. 
• Marketing Code - Press F4 and then select the appropriate code from list.
• Auth. For Automatic Direct Deposit - Defaults to N for No. If the client needs a Direct Deposit form, type Y.
• Source of Funds - Press F4 and select the appropriate code from list.

19. Towards the top of the page, click Next Record.
20. Skip down to the Sales Associate field.
21. In the Sales Associate field, enter your Network User ID (default is the last associate who updated the account).
22. Click OK twice. Complete each listed field as follows:

• Ownership Of Account - Press F4 and select the appropriate code. 
• If LLC - Choose type (leave blank for personal accounts).
• If Corporation - Choose type (leave blank for personal accounts).
• If Trust: Agreement Date - Leave blank for personal accounts.
• Social Security Number - This field defaults to the primary account owner's SSN. Check to see if it is correct (if not, maintenance the CIF).
• # Of Signatures Required for W/D - Defaults to 1. No entry needed. 
• Is Customer Subject to Withholding - Defaults to N. No entry needed. 
• Note: Although this next section states **Business Use Only** you still must enter values for the listed fields.
• Is Cust Exempt Recipient per IRS? - Defaults to N. No entry needed.
• Exempt payee code - Leave blank.
• Is this a Business Account Type? - Select N for No.
• Is Business a Foreign Entity? - Select N for No.
• Is This A Fiduciary Account? - Select the appropriate code. 

23. Click OK twice. Complete each listed field as follows:

• Rights At Death - Press F4 and select the appropriate code. 
• MSG: Name or Names of Beneficiaries - Press F4 and either select Y if there is a beneficiary being added or N if there is no beneficiary. Note: Correct code must be used in previous step if beneficiary is added. Account titling must also reflect the phrase POD Account beneath all owners' names. 
• Do you have additional signers? - Select N for No.

24. Click OK. The Streamline Message Maintenance screen displays.
25. Towards the bottom enter the beneficiary name, date of birth, and if available the SSN. (Nothing is required in the small box to the left.) Note: This is not a true message that shows up on the account or CIF. It will only be printed on signature card.
26. Click OK twice. 
27. In the Reason for revision field, enter text that explains the update. For example: adding joint signer and POD 
28. Click OK twice.
29. The Streamline Account Maintenance screen displays. Scroll down to the Optional Records section.
30. If you are ordering a debit card, or creating an AFT or Sweep record, then select the appropriate box and press Enter.
31. If nothing from the previous step is needed, click OK. The Streamline Form Print Selection screen displays. 
32. From the drop-down box, select whether the client is signing via e-sign or paper signature card.
33. Have client(s) sign/initial where indicated.  
34. If a paper signature card is generated, place the barcode sticker in upper left corner and place in the designated area to be scanned to Deposit Services.