Overview
Requesting, examining, and recording client and non-client identification (ID) is an important part of processing transactions. Obtaining proper identification is how associates can ensure the presenter of the ID is who they claim to be.
Legal forms of primary ID are required to establish client and non-client identity. Account information cannot be released to anyone who is not an owner on a consumer account or authorized signer on a business account.
Valid primary ID must be verified:
- On any transaction where cash is disbursed to a client or a non-client.
- When account information (for example: account number, balance, statements, counter checks) is released to an individual.
If primary ID is NOT provided, do not process the transaction or release client information.
Valid ID for Transactions
Click on the accordions below to view the types of valid primary ID for transactions:
Non-U.S. Citizen
- US Temporary driver's license
- US Passport Card
- Foreign Passport
- Alien Registration Receipt card
- US Permanent Resident card
- US Employment Authorization Card
- US Immigrant /non immigrant Visa
- ID Card issued by the US Customs & Border Patrol or US Department of State
- Other ID issued by federal, state, or local governmental agencies approved by the BSA Officer on a case by case basis
Required ID Information in Xperience
Valid ID information is required to be recorded in Xperience for ALL cash back transactions for clients and non-clients.
A right thumbprint is required for non-client check cashing transactions.
If a client is personally known to you and has a solid established banking relationship, you can record the term personally known or PK in place of ID information. Personally known is defined as having an acquaintance, derived from association with the individual, which establishes the individual's identity with reasonable certainty.
Click on the accordions below for the required information that must be recorded for each type of ID.
Driver's License
- ID type
- Issuing state
- Drivers license number
- For example: FLDL H22162406440
- Date of birth (if space is available)
State Identification Card
- ID Type
- Issuing state
- ID number
- For example: FLID H22162406440
- Date of birth (if space is available)
Passport
- ID Type
- Passport number
- For example: PP M0992136 Australia
- Country
- Date of birth (if space is available)
Military ID
- ID Type
- Branch of service
- Expiration date
- ID number on document
- For example: Army ID 04/2025
- Date of birth (if space is available)
If a non-resident alien cannot provide the required primary ID listed above, the following additional valid ID is approved as primary ID for check cashing ONLY:
Permanent Resident Card
A Permanent Resident Card, formerly known as an Alien Registration Receipt Card, or Green Card is evidence of the individual's registration in accordance with United States immigration laws. The Permanent Resident Card is also referred to as Form I-551.
The following information must be recorded for a permanent resident card:
- ID Type
- Registration number
- For example: PRC A#123456788-10/2025
- Expiration date
- Date of birth (if space is available)
Consular ID Card
Consular cards are issued by foreign consulates located in the United States to their nationals living in the USA. Consular cards are issued from the following six countries and are valid for a period of 1 - 5 years:
- Mexico
- Argentina
- Columbia
- Guatemala
- South Korea
- Peru
The following information must be recorded for a consular ID card used as primary identification:
- Type of ID
- Country
-
ID number
- For example: CID Mexico-12345677-02-02-2025
- Expiration
Consular ID Cards contain the following information:
- Country of issue
- Consular card number
- Photo
- Name
- Place of birth
- Address
- Issue date
- Expiration date
- Issuing consular office
- Signature
Suspicious Documents and ID Information
Click here to access additional information on Handling Red Flags Involving Documents or Personal Identifying Information.
Masks
Refer to Client Identification Program (CIP) > Mask Wearing for details on when a client requests to keep their mask on during a transaction.
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