Clients with a Level Up account type, who have reached the age of majority in the state the account was opened, can remove the adult joint owner from the account. Do the following to remove a joint owner from an account:

1. Verify client identity and ownership, obtain valid identification by using one of the following:
   • Identification: CSC Phone Procedures
   • Clients in person
2. Verify the age of the primary client. 
   • Complete an Authorization to Remove Adult Owner from a Level Up Account form.
   • Obtain and notarize the following signatures on this form:
     • The account joint owner to be removed from the account 
     • The remaining signers signature 
3. Ensure that the CIF record is up-to-date.
4. Complete a new signature card reflecting the deletion and the change to the account title. In Xperience click SilverLake > Retail Streamline Menu > Recall Existing Accounts From Core. 
5. Click OK. 
   • Note: You do not need to pull Verafin or ChexSystems for this type of revision. 
6. From the Application drop-down box choose D-DDA.
7. Enter the account number and click OK. The branch number and platform type (product type) populates. 
8. Click OK.
9. From the Streamline Account Maintenance page, click Relationships. 
10. Click the owner's name to remove and click Remove. 
    • Removed displays under the Relationship field, to the left of the signer's name you are removing.
11. Click Update Documents/CIF.
12. From the Update All Relationship Information drop-down box choose Yes.
13. Click OK. The client's name displays.
14. Click OK. The Streamline Account Maintenance screen displays with the client's name under the Customer Details section. 
15. Click OK at the top of the screen. 
    • Note: If the client wishes to add a pay-on-death beneficiary, include the verbiage POD Account as part of the titling on Additional Name 1 line.
16. 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 client and enter the appropriate code based on his/her preference.
      • Note: when removing a joint owner from a Level Up account whose owner has reached the age of majority, this field defaults to I for Ineligible.
    • Branch Number: Defaults to office of record. No changes needed.
    • Date Opened: No changes needed.
    • Class Code: Select I for Individual. 
    • Officer: Update if necessary.
    • Initial Deposit Amount: No changes needed.
    • Check Order: Pers=P  Bus=B: If the client is ordering checks, select P for Personal. Otherwise, no changes needed.
    • Miscellaneous Forms: Select Y if needed. Otherwise, leave blank.
    • Primary CIF Inquiry Code: Make sure that the Inquiry Code the client wants to use is in this field. If there is not one, obtain it 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: Select S for Single-Party Account (press F4 to prompt for list of codes).
    • If LLC - Choose type: Leave this field blank.
    • If Corporation-choose type: Leave this field blank.
    • If Trust: Agreement Date: Leave this field blank.
    • Social Security Number: If this is not the student's SSN, then perform maintenance on the student's CIF. 
    • # Of Signatures Required For W/D: Defaults to 1. No changes needed.
    • Is Customer Subject to Withholding? Defaults to N. No changes needed. 
      • Note: The next section states Business Use Only, but some input is required to proceed.
    • 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 N for No.
    • Is Business a Foreign Entity? Select N for No.
    • Is This A Fiduciary Account Type? Select N for No.
    • Click OK at the top of the screen twice.
    • Rights At Death: Press F4 to prompt and select appropriate code. Note: If you included POD Account as part of the titling for the signature card revision, enter the proper code here.
    • MSG: Name or Names of Beneficiaries: Select Y if you are adding a beneficiary and follow the prompts. Otherwise, select N.
    • Do you have additional Signers? Select N for No. Names to be included on updated signature card display towards bottom of screen. Click OK twice.
    • Reason for Revision: Ownership change.
    • Date signature card revised: Displays the current business date. 
17. Click OK twice.
18. The Streamline Account Maintenance - Optional Records screen appears. 
    • 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.
19. Submit the documents using eSign. 
20. Place the documents not submitted by eSign with the daily work for imaging following the Document Imaging procedures.
21. Obtain the student’s signature on the new signature card.
22. If applicable, remove the account from the deleted owner’s debit card. Do the following: 
    1. In Xperience click 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 > Deposit Services > DS – Card Maintenance.
    5. Complete the appropriate fields.
    6. Click Save > Save & Submit.
23. If applicable, remove the account from the deleted owner's bank online service. Do the following: 
    1. In Xperience click Customer & Account Inquiry.
    2. Enter 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.
24. Review the account for any additional ancillary products or services that need maintenance.