Note: This is an exception to the usual requirement that the account be closed and a new account opened to remove an account owner. In the rare instance that you need to make an exception and not close the account, reach out to Call Me Direct ext. 397100 for guidance prior to removing any signors as an exception.

Follow the procedures below:

1. To verify 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. The banker requesting  the exception must request a copy of the Authorization to Remove Signature from an Account form from Call Me Direct(CMD). Contact ext. 397100 to obtain this form. 
   • Alicia Ronan or Cheryl Thompson must approve the exception to remove the account owner from the account. Once/If CMD receives this approval, an approval form will be prepared.
3. Call Me Dill complete the form, indicating the reason for the revision as Ownership Change - Exception Approval and will send to the associate along with the approval e-mail from the Exception Approver.
4. Obtain and notarize the following signatures on the form:
   • The account owner(s) who want to be removed from the account
   • The remaining owner’s (or owners') signature(s)
5. Ensure that the client's CIF record is up-to-date. 
6. Create 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. 
7. Click OK. Note: You do not need to pull Verafin or ChexSystems for this type of revision.
8. From the Application drop-down box select D-DDA.
9. Enter the account number and click OK.
10. The branch number and platform type (product type) fill in. Click OK.
11. From the Streamline Account Maintenance page, click Relationships. 
12. Click the owner's name to remove and click Remove towards the right side of the screen. Removed displays under the Relationship field, to the left of the signer's name you are removing.
13. Click Update Documents/CIF.
14. From the Update All Relationship Information drop-down box choose Yes. 
15. Click OK at top of page.
16. Now only the current owner's name(s) displays. Click OK at top of page.
17. The Streamline Account Maintenance screen displays with the current owner name(s) appearing under the Customer Details section. Click OK at the top of the screen. Note: If the client wishes to add pay-on-death beneficiary, you must include the verbiage POD Account as part of the titling on Additional Name 1 line.
18. 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.
    • Branch Number: Defaults to office of record. No changes needed.
    • Date Opened: No changes needed.
    • Class Code: Press F4 to prompt, and then select appropriate code.
    • Officer: Update if necessary.
    • Initial Deposit Amount: No changes needed.
    • Check Order: Pers=P  Bus=B: If 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 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: Press F4 to prompt for list of codes, and then select the appropriate code.
    • 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 primary owner's SSN, then perform maintenance on the primary owner'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 prompts. Otherwise, select N.
    • Do you have additional Signers? Select N for No. Names to be included on updated signature card display. Click OK twice.
    • Reason for Revision: Ownership change.
    • Date signature card revised: Displays the have current business date.
19. Click OK twice. The Streamline Account Maintenance - Optional Records screen displays.
20. If client wishes 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.
24. If applicable, remove the account from the deleted owner’s debit card by  creating the following Synapsys service event:
    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.
25. If applicable, remove the account from the deleted owner's bank online service by creating the following Synapsys service event:
    1. In Xperience click Customer & Account Inquiry.
    2. Enter the client's name, CIF or TIN and click Search.
    3. Click Related Functions and select 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.