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Course description

Many financial institutions purchase signature cards and account agreements from vendors. Whether developed in-house or purchased, your institution’s signature card and account agreement must conform to state law, meet IRS requirements on TIN certification, and provide required regulatory notices. They must also be completed correctly with accurate account styling and proper signatures.

What is in this signature card and account agreement? Why is it so important that the staff completes it properly? What are the repercussions of noncompliance? We will answer each of those questions as we discuss the following topics:

-A look at W-9 and W-8 requirements
-UCC 3 and 4 issues on the account agreement
-Rights at death—who owns what when an account owner dies
-Titling and the IRS match
-Regulations CC, DD, E, P and Substitute Checks
-Business versus consumer accounts
-Ownership types and choices—sample signature cards
-Set-off, arbitration, closing accounts, legal legends and more

What you will receive: 
-New Account Handbook

Who Should Attend: 
New Accounts, Deposit Operations, Deposit Compliance, branch personnel, personal bankers,


Deborah Crawford

Deborah Crawford is the President of gettechnical inc. She specializes in compliance and regulations for the deposit side of financial institutions. Her 27+ year career in banking and training began at Hibernia National Bank. She has been a seminar leader for many state associations and credit union groups across the nation. She has Bachelors and Masters degrees from Louisiana State University.

Course curriculum

  • 1


    • Signature Cards and Account Agreements

  • 2


    • Materials