Business clients can request to add signers to business accounts. When adding signers, review the account relationship and ask questions of the client to determine if the client is in the correct account type. Cross-sell products and services accordingly to meet the client's needs. 

A signed and notarized CCB business affidavit MUST be completed for ALL revisions to business accounts. Click here to access the Business Affidavit Reference Guide. In addition, the Verafin client due diligence questionnaire must be reviewed for changes or updates with ALL account revisions.

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 an authorized signer(s) to a business account, do the following:

1. To verify that the client is an authorized signer and owner on the account, obtain valid identification by using one of the following:
   • Identification: CSC Phone Procedures
   • Clients in person
2. To show the change in signers/owners, obtain revised ownership documents (Articles of Incorporation, Articles of Organization, Partnership Agreement, etc.). Note: If these documents have been previously imaged to Silverlake, print a copy for the client to review and ensure that they are accurate before proceeding.
3. Obtain revised bylaws, meeting minutes, or letters of Instruction giving specific directions for changes to be made.
4. Make sure that the CIF for both the business and signer(s) record(s) are correct, updating if necessary. 
5. Obtain the address, social security number, and date of birth for each additional signer not present.
6. Inform the client that he/she can take the signature card and resolution from the office to obtain the remaining signatures. 
   • Note: The signatures of the additional signers must be notarized. 
7. Complete a new signature card showing the new signer. Do the following:
   1. In Xperience > Silverlake > Retail Streamline Menu > Recall Existing Accounts From Core.
   2. Click OK.
   3. Select Verafin. Do not pull ChexSystems for this type of revision.
   4. From the Application drop-down box select D-DDA (use appropriate code if not a checking account).
   5. Enter the account number and click OK. The branch number and platform type (product type) fill in. 
   6. Click OK.
8. From the Streamline Account Maintenance page, click Relationships. 
9. Enter the name, CIF, or TIN for the person you are adding (if he/she already has a CIF built). 
10. If more than one name is displayed, highlight the correct name and click Display. 
11. Click Select. If the new signer does not have a CIF, create one. 
12. From the Relationship drop-down box, select the appropriate code. (The most common codes are O for officer/signer or I for influence/signer).
13. Click OK.
14. Click Update Documents/CIF.
15. From the Update all Relationship Information drop-down box, select Yes. 
16. Click OK. All updated signers display under the Relationship field. 
17. Click OK. The Streamline Account Maintenance screen displays with the business name appearing under the Customer Details section. 
18. Click OK at the top of the screen. Note: if the client has a subtitle listed on the account, add it here under Additional Name 1 for it to print on the signature card (for example: Payroll Account). If you do not do this, it will not carry over from the previous document.
19. The Streamline Account Maintenance - CHANGE screen displays. Complete the following fields:   
    • Is this a new account? Select N for No.
    • Reg E ATM/OD Opt-in Flag: Explain opt-in/decline to the client and enter the appropriate code based on his/her preference.
    • Branch Number: Defaults to office of record. No changes needed.
    • Date Opened: No changes needed.
    • Class Code: Press F4 to prompt, and then select the appropriate code.
    • Officer: Update if necessary.
    • Initial Deposit Amount: No changes needed.
    • Check Order: Pers=P  Bus=B: If the client is ordering checks, select B for Business. Otherwise, no changes needed.
    • Miscellaneous Forms: Select Y if needed. Otherwise, leave this field blank.
    • Primary CIF Inquiry Code: Make sure that this field contains the client's inquiry code. If this field is blank, obtain the inquiry code from the client and update.
    • Marketing Code: Select SC for signature card revision.
    • Auth. For Automatic Direct Deposit: Select Y if client needs direct deposit form. Otherwise, select N for No.
    • Source of Funds: Select 1E for existing client.
    • Click OK at the top of the screen twice.
    • Ownership Of Account: Press F4 to prompt for list of codes, and then select the appropriate code.
    • If LLC - Choose type: Press F4 to prompt for list of codes, and then the select the appropriate code.
    • If Corporation-choose type: Press F4 to prompt for list of codes, and then select the appropriate code.
    • If Trust: Agreement Date: Leave this field blank.
    • Social Security Number: If the SSN for the business does not display, then maintenance is required.
    • # Of Signatures Required For W/D: Defaults to 1. No changes needed.
    • Is Customer Subject to Withholding? Defaults to N. No changes needed. The next section states Business Use Only.
    • Is Cust Exempt Recipient Per IRS? Defaults to N. No changes needed.
    • Exempt payee code (select one): Leave this field blank.
    • Is This A Business Account Type? Select Y for Yes.
    • Is Business a Foreign Entity? Press F4 to prompt for list of codes, and then select the appropriate code.
    • Is This A Fiduciary Account Type? Select N for No.
    • Click OK at the top of the screen twice.
    • If Entity #1 & #2 are both business names, enter 3: Examine the following two lines to see what is listed under Entity 1 and Entity 2. If both are business names, enter a 3 in this field to have the signer's name print on the signature card. Otherwise, it will incorrectly print the names of the business on the signature portion.
    • Click OK at the top of the screen twice.
    • Nature of Business: Enter a brief description of the business (for example: lawn maintenance).
    • County Business Is Located In: Enter the county.
    • State Business Is Located In: Enter the state.
    • Authorization Dated: Enter the current business date.
    • Business Phone #: Enter the business phone number.
    • E-Mail Address: Enter the business email address.
    • Do you have more than 4 signers? Choose N for No or Yfor Yes. 
      • Note: Only 4 signers will print on the signature card. If there are more than 4 signers, a signature card addendum will print for the remaining signers.
    • 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

    • The next section(s) gives you a preview of the signers on the updated signature card beside Signer #1 For Signature Card, and Signer #2 For Signature Card. Note: If the name of the business (not individual signers) displays, refer back to the step titled If Entity #1 & #2 are both Business names and make corrections.

    • Click OK twice.
    • Reason for Revision: Enter the reason (for example: change signers).
    • Date signature card revised: Displays current business date.
    • Corporation is Non-Profit: Press F4 to prompt, and then select the appropriate code.
    • Corporation Trade Name: Enter the business name.
    • Secretary Name: Enter the secretary's name from legal documents.
    • Federal Employer I.D.#: Displays the business TIN.
    • Organized Under the State Laws of: Enter the appropriate state.
    • Date Resolution was Adopted: Enter the current business date.
    • Input Y to list Auth Agents A-F: No changes needed.
    • Authority on Account (Indicate A-F Authority for ALL Agents): Enter the appropriate range of letters based on number of agents (for example: if three agents are listed on business legal documents, enter A-C).
    • # of Signatures Required: Enter 1.
    •  Authority for Business Debit Card (Indicate Authority A-F for ALL Agents): Same as above. Input accordingly.
    •  # of Signatures Required: Enter 1. Click OK twice.
    • Insert authorized agents and their titles: No changes needed.
    • Click OK twice. The Streamline Account Maintenance - Optional Records screen displays.
20. If the client wants to create an AFT Record, Sweep Record, or order a debit card, then check the box to the left of desired request and proceed. If nothing additional is needed, click OK at the top of the screen.
21. Submit the documents using eSign. 
22. Place the documents not submitted by eSign with the daily work for imaging following the Document Imaging procedures.
23. Obtain the signature(s) of updated signer(s) on the new signature card and resolution. If applicable, also obtain authorized signature on the Verafin Certification of Beneficial Owners of Legal Entities. Note: If the client has opted to take the documents from the office to obtain signatures, the following must be done once they are returned to the office: 
    1. Ensure that all remaining authorized signatures are on the documents. 
    2. Compare the signature card to the authorized signers listed on the resolution. Do not accept a new signature on the signature card without a matching signature on the completed resolution.
    3. Documents containing handwritten information or corrections with whiteout will not be accepted.
24. If applicable, hot-card the debit card for the signer who was removed. 
25. If applicable, remove the account from the deleted owner's bank online service by completing the following Synapsys service event: 
    1. In Xperience > Customer & Account Inquiry.
    2. Enter the client's name, CIF, or TIN and click Search.
    3. Click Related Functions > CRM.
    4. Click New Event/Activity > New Event > Service Session > Online Banking > OLB: Maintenance.
    5. Complete the appropriate fields.
    6. Click Save > Save & Submit.
26. Review the account for any additional ancillary products or services that need maintenance.