Bankers Online.com Information Vault

Support for BOL is provided by:

MAIN CONTENT

Compliance

Agency Road Maps

Alphabet Soup

Compliance Tools

FACTA/FCRA

OFAC

Lending

FACTA/FCRA

Lending Tools

SCRA

Marketing

Operations

Check 21

Operations Tools

SAR Resrch Guide

Security

AML/BSA

Bank Robbery

Counterfeits

ID Fraud/Phishing

Security Tools

Technology/eBanking

Info Security

SPECIAL AREAS

BOL Archives

BOL Blogs

Briefing Archive

Calendar

Court Watch
Em@il Education

Examiner's Corner

Executive Briefing

Infovault

Launch Pad

Site Map

Site Orientation

Top Stories

~ ~ ~

SERVICES

CrimeDex

Em@il Education

ID Verification

Record Retention

~ ~ ~

SHOP

Banker Store
Bankers Info Ntwk
Vendor Connect

CONNECT

Career Connect

Learning Connect

Vendor Connect

Guru Central

INTERACT

Ask a Guru
Bankers Threads

Contact Us

Give Us Feedback

TOOLS

60 Second Solutions

Alphabet Soup

Banker Tools

BOL Forms

FUN

BOL Recipes

eCard Exchange

LEARN MORE

About Advertising

About Our Sponsors

About Us


DBA Debit Cards Deceased Customer Decedents Delinquent Accounts/Loans Deposit Accounts Deposit Insurance Digital Signature Directors Direct Deposit Disabled Customer Disaster Recovery Disclosures Discrimination Do Not Call Rule Dormant Accounts Drafts Due Diligence denotes Guru Question & Answer. DBA NOW Acct for Sole Proprietorship DBA a Corporation DBA Set Up as a Trust Account File an Amended Designation of Exemption? Are Sole Proprietorships & DBAs the Same? Business LLC & DBA - Two Separate Entities? CTR - DBA Account Sole Proprietor Without DBA in the Title Corporation Wants Four DBAs Under One Account Same TAX ID Number - 2 Different DBAs Beneficiary on Sole Proprietorship Accounts Can a sole proprietorship be owned by a trust? Living Trusts & Sole Proprietorships Proper Endorsement for Checks to DBA New Accounts: Do you need an affidavit of sole proprietorship? DBA Account Ownership LLC Using a Social Security Number Account Styling SSN vs EIN Completing CTR for Sole Prop Deposits Showing a Bank as a DBA Using a DBA Two DBA Accounts with the Same Name Right of Offset Do's and Don't's for DBAs Sample Affidavit of Sole Proprietorship Business Depositors: Understanding the Differences Can an authorized signer endorse and cash checks payable to a DBA? Using DBA On Sole Proprietorship Loans Structuring A Sole Proprietorship Account Debit Cards A Decrease in Check Fraud? Individual HSA Account - Spousal Debit Card Protecting Bank from Possible Minor Mischief Angry & Confused Over Reg E Fraudulent Purchase - Require a Police Report? Debit Card for Sole Proprietor Multiple Cards, One PIN? Business Debit Cards Linked to Personal Accounts Rule Restricting Debit Card Gambling Transactions NSF Return Check Due to Debit Card Hold Debit Cards, Fraud & Reg E Consumer Liability Determined by Reg E or Visa? Debit Card Fraud - Provisional Credit Time Frame Unauthorized POS Debit Expired Debit Card - Stolen & Used Reg E Applicable to HSA Debit Cards? Customer's Recourse with Merchant Parent's Debit Cards, Minors & Internet Purchases Stolen Debit Card - Refunding Foreign ATM Fees Reg E & HSAs Provisional Credit Predicament Debit Card Reported Stolen - FI's Responsibility Relative Given Debit Card by Customer Debit Card on Representative Payee Account Do We Follow Visa Rules or Reg E? Ordering Debit Cards - Signature Required? Internet Banking Disclosures Debit Card Fraud - Commercial Customer Recourse ACH Debit Card Compliance Representative Payee Debit Card Reg D - Monthly PayPal Debit Transactions Stolen Debit Card - PIN Written on Checkbook Reg E & Non-resident Aliens Disclosing Same Day Availability Asserting a Claim - Signed Notification Required? Debit Card Disputes - Require Written Notice? ATM/Debit Card Suspension - Customer Notice Deceased Customer -Stolen Debit Card Transactions Furnishing Security Info Upon Debit Card Issuance Debit Card Dispute Transaction Timeframe Stolen Debit Card - Dispute Denied Issuing Debit Cards to Commercial Customers Deny Provisional Credit? Reg E - Customer Liability for the $50.00 ATM/Debit Card Agreement Debit Card Cancellation - Notification Required? Deny the Claim of an Uncooperative Cardhholder? Recurring Preauthorized Debit Card Transactions Jail Bird's Hubby Used Her Debit Card Disputing Unauthorized Transactions at the Pump EFT Claim - How Could this be Valid? Debit/ATM card for a Minor Exclusions from FFIEC Guidance Recourse for Unauthorized ATM Withdrawals Captured Debit Card Business Debit Card Liability Free Checking? Developing a Debit Card Strategy Debit Cards and Multi-Factor Authentication Debit /ATM Cards for Corporate Account Signers Debit Card Disclosures Reg E and the Intoxicated Customer Debit Card or Online Bill Pay & the Bonus Rule Unauthorized or Revoked ACH Debits How to Improve Your Bank's Non-Interest Income Debit/Credit Card - Higher Limit Liabilty Can we Issue Debit Cards on Savings? Gas Pump Debit Card Charge Dilemma Customer Gave PIN Number to Family Member Reg E & Business Debit Card Protection Time Limit for Debit Card to Clear Account Customer Hasn't Checked Statement Since Nov 2005 Helping Customer Resolve Stolen ATM Card Issue Business Account Debit Card Legal Issues Overdraft Payment Programs and Reg DD Debit Card Fraud - Refunding Customer's Money Sample Hold Harmless Agreement Phishing by Debit Card When "Unauthorized" are Authorized -- What Then? Visa Debit Card ATM Fraud - Reg E or Visa Rules? Debit Cards & Commercial Accounts Prior Notice on Blocking Access to Debit/ATM Card Disputing Customer's Authorized "Temporary" Charge Disputed Visa Debit Card Transaction Fee Is Customer Responsible if PIN is on the Card? Chinese Credit Card Debit Card Denial Debit Card Change In Terms-Before Product Launch FEMA Debit Card Fact Sheet (PDF) Customer Liability, Fraudulent Card & Card Number Customer Negligence and Reg E Issuing Debit Cards to Business Accounts Issuing a Debit Card to POA on an Account Count Toward the Transaction limit on MMDAs? Difference Between POS and Debit Card Transaction 'Skimming' Too Easy with New Technologies Outsource Debit Cards/ Required to Comply W/FACTA? Issuing a Debit Card to POA on an Account Pros and Cons of HELOC Debit Card Access Debit Card Transaction Never Completed Payment by Key Fob Retention of Declined Debit Card Applications Debit Card- Returning Item from Overdraft Reg E - Debit Card for Trustees of Living Trust Debit Card Denial Disclosure Reg E -Require a Filed Police Report from Customer Why not overdraft privilege? Issuing Debit Cards to Non-Signers Customer Gives Up Card Data in Scam Stopping debit transactions on closed accounts Major Payroll Company Offering Cards Payment at the Table Debit Card Program for Businesses Is MasterCard SecureCode Subject to Reg. E "See ID" Instead of Signing the Debit Card Reclassifying Savings with EFT Access Out With the ATM Card, In With the Debit Card Encouraging Debit Card Use in Pakistan Debit Card "Notice of Action Taken" Freezing a Levied Account from Debits Regs Addressing Business Debit Cards Sweepstakes Gasoline Rebate On Bank Card Denied Debit Card Rules Debit Card in Possession, is it a Valid Claim Debit Card Liability New Debit Card, New Disclosure Sending Unsolicited Debit Cards Provisional Credit Days Under VISA Debit Card Terms for Safety Adverse Action on Debit Card Turndowns Sending Business Check Cards Minor with a Debit Card Expiration Date on ATM Card Bank Liability When Customer Writes PIN on Card Gross Negligence and ATM Disputes Provisional Credit on Business Debit Card MasterCard To Test 'Contactless' Cards What Falls Under the Term "Debit Card" Resolving Business Debit Card Dispute CIP and ATM/Debit Card Accounts Debit Cards Tied to HELOCs When Cardholder Fails to Report Campaign Account and Debit Card Reg E Disclosure Revisited Restricting an ATM Card Putting "See ID" on back of card Restriction of Card Use After Fraud Reg E Disclosures on Web Page Bankruptcy: Can we hot card a debit card? Stop Payment On Check Card Transactions? Denial Forms For Debit Cards Pre-paid debit cards --- stored value cards? Does Reg E Apply to Business Customers? Reg E v. Visa: Who Wins? Adverse action for denial of ATM or debit cards? Disputing Transactions On Check Card Reducing Check Card Losses Debit Card Disclosures For Commercial Customers Can we offer debit cards to savings accounts customers? Accessing HELOC Accounts: DDA Accounts, Debit v. Credit cards, and Unsolicited Delivery The Best in Human Nature Can Bring Out the Worst If a financial institution issues a debit card to a customer who has an existing atm card, is the debit card considered "unsolicitated"? ATM Network Logo Posting Requirements eCommerce, Debit Cards, and Dispute Resolution Business Debit Cards Account Closing & Debit Card Transactions Lost Debit Card Liability Reg E Debit Card Disclosure Where do you turn for assistance with debit card fraud? Preauthorized Debit Card Transaction Rules Preauthorization and Debit Cards Should Debit Cards be issued on Commercial Accounts? Question & Answer Will It Replace Cash? Deceased Customer Deceased Customers - Backup Withholding Deceased Customer -Stolen Debit Card Transactions POD's Whereabouts Unknown Handling a Reclamation POD's SSN Required? Admin Access to Prior Account Activity Authorized Signer, Deceased Joint Owner Offset of Account with a POD Beneficiary Check Payable to New Customer & Deceased Mother Trusts and Checks Payable to Estate of Deceased Customer Deceased, Can We Deposit to the Account? Check Fraud on Deceased Customer's Account Opening an Account for a Deceased Person Paying Checks After Death of Depositor POD CDs: Handling Interest after the Customer has Died ACH debits after notice of death Who Trumps, POD or Personal Representative? Deceased Payee & Forged Endorsement Authorized Signer, Deceased Account Distributing Decedent's IRA to a Trust Reporting Large Balance in Account of Decedent Jointly Payable Checks Where One is Deceased IRA Customer Died Before Taking RMD DNE Notification on ACH Guru Chatter on Interest Reporting Death of Sole Safe Deposit Renter Deposits of Decedent's Checks into Joint Account Deceased Customer Affidavit Death of Sole Owner Drilling a Deceased Customer's Box How should we handle uncashed CD interest checks for a deceased customer? Decedents Decedent Funds Paying Expenses from Decedents Account Death of UTMA Custodian POD Designation & Probate Signer Rights After Account Owner's Death What does TOD Mean? EIN Required on all Estate Accounts? Handling a Reclamation POD's SSN Required? Admin Access to Prior Account Activity Decedent�s Right to Financial Privacy? Training All Staff When Acquiring a New Transaction System Joint Checking and Estate Settlement Problem Deceased Customers Minor's Account - Death of the Custodian Estate Ownership of a Safe Deposit Box Handling Interest After Demise of Depositor IRA Check Payee Has Died -- Now What? Handling POD CDs when owner dies Trusts and Checks Payable to Estate of Deceased Where to Deposit a Check Payable to a Decedent What's the Priority Claim on an Estate? Opening an Account for a Deceased Person Identifying & Freezing a Decedent's Account Process to Close a Decedent's CD Account Paying Checks After Death of Depositor TIN for a Burial Trust Account Authorized Signer, Deceased Account Distributing Decedent's IRA to a Trust Reporting Large Balance in Account of Decedent Access to Decedent's Safe-Deposit Box After Safe-Deposit Renter Dies Safe Deposit: Drilling Safe Deposit Box Of A Deceased Owner Joint Accounts: How To Handle The Death Of A Joint Owner Handling A Reg E Claim If The Claimant Dies Administering Accounts For Deceased, Non-Probated Single Owners Is it a requirement to update joint accounts when one accountholder dies? Question & Answer EDITORIAL - Check The Obituary Column, Please Question & Answer Quesiton & Answer Question & Answer Question & Answer Question & Answer Question & Answer Delinquent Accounts/loans Mobile Home Loan Default - Demand Letter Business Loan Collections COBB Collection Letter Credit Reporting on Guaranty SCRA - Finalized HUD Notice Statutory Bad Debt Accounting for Fees in Delinquent Payments When Does A Loan Get Considered Delinquent? Paying Past Due Taxes and Accruing Interest It's a Matter of Choice Protection Against Identity Theft Contacting Borrower in "Cure" Period Taking Delinquent Loan Payments From A CD Industry Averages For Credit Card Charge Offs Using a CD to Offset a Delinquent Note Collection: Behavioral Scorecard For Delinquent Accounts Deposit Accounts Adding Daughter to Father & Son Joint Account Authorized Signer's Funds in Owner's Account VA Reclamation - Obtaining Funds Paid to Survivor Consumer Driven Healthcare Plans Deposit Account Required for Loan Approval? Signers on Estate Accounts NSF Check Frustration Deposit of Personal Check into Business Account Association Account Headaches Facsimile Signatures Reg Q Confusion & Competitor's New Account Promo A Decrease in Check Fraud? Individual HSA Account - Spousal Debit Card Exception Hold on Available Funds? Johnny Appleseed Jr. Ecology Club Program Paying Funeral Expenses from Revocable Trust IRS Tax Levy - Funds Less than Amount Levied Replacement of Stale Dated Money Order Requiring e-statements on employee accounts HOAs & the USA Patriot Act Defining IRETA Grandfathered NOW Account Professional Association Interest Checking Account Returning a Fraudulent Cashier�s Check Offsetting Two Separate Accounts NOW Acct for Sole Proprietorship DBA a Corporation Deposit of Check Payable to Individual & Estate Inactive & Dormant Accounts - One in the Same? EIN & SSN - Same Number? Please Define "Per Stirpes" Compounded CD - APY Disclosure Reg CC Holds & Fraudulent Accounts Signer Added for Check Writing Purposes Only Using CML LOC as Overdraft Protection POA Check Deposit Procedures Lending DDA Funds Reg Q - Paying Interest during the Grace Period IRA - Husband and Child Beneficiaries Beneficiaries Disclaiming Account Ownership Exempting Once & Future Transactions Foreign Accounts � Interest Reporting IOLTA - Who Handles the Earned Interest? Business Endorsement Stamp - Required Verbiage CTR on Deposits into Personal & Business Accounts Close the Accounts to Be on the Safe Side? Levy the CDs? CD Titled in a Trust - Early Withdrawal Penalty Non-citizen & Citizen Co-owned Account New Account Promo - Regulations Triggered? Reg CC - Consumer and Commercial Accounts? Paying Preferential Interest Rates Send Out Revised Hold Notices? IRS Reporting - Customer Referral Cash Bonuses Minor Withdrawals Cashing a Check Made Payable to a Partnership One Owner Garnished - Garnish Joint Account? Interest Paid on Insider Deposits Improper LLC Endorsement? Member Demanding Original Paper Checks Decedent Funds Late Return or Not? Paying Expenses from Decedents Account Merchant Capture Device - Reg D Transaction Limits Required Deposit Statement on the TIL Messy Divorces & Business Accounts Subpoena - Joint Account Holder Notification Foreign Exchange Student Account - Acceptable ID CD Secured Loan - All Owners Sign the Assignment Account Ownership Change IRA Changes Death of UTMA Custodian IRA Payout to Contingent Beneficiary Reuse of Consent Deposits Under $5000 - Case by Case Holds Reg CC - Counting the Days..... Difference Between Authorized & Convenient Signer Communicating with MMDA Customers LLC Owned MMDA Reg E & HSAs Paying Interest on Business Account Checking Accounts - Businesses as Signers Foreign Account Holder - No TIN Handling Business Checks Time Frame for Returning a Stale-dated Check CD Set Off Sample Excessive Withdrawal Letters/Notices Personal Account to Business Account Auto OD FDIC Insurance on POD Accounts Filing a SAR on a One Owner Business Minor on JTWROS Account Issuing a Custodian a Debit Card Bonuses on an Account 1099 Form - Maximum Dollar Giveaway? Reopening a Closed Deposit Account Hold Not Placed at Time of Deposit Employee Account Privacy Indicating Cash on Deposit Slip FDIC Logo Change? Early Withdrawal Penalty Required? POA No Longer Wants the Responsiblity Authorized Signers & Convenience Signers Changing CD Terms, etc. Signer Rights After Account Owner's Death Funds Unavailable - Returning Check CIP Requirements & Foreign College Students Deposited Spouse�s Estate Check into His Account Signer on Individual Account Only? Timeframe for a Treasury Check Return CIP Info When Adding Account Owner Deceased Customers - Backup Withholding No Longer Paying Interest - Disclosure Necessary? Dormant Accounts - Privacy Notices Required? Is There a Regulation Prohibiting...? Adding Signers to Trust Accounts Levy on Account Receiving SS Deposits Disclosures to Business Customers Tenant Deposit Account - NOW Eligibility Commercial Customers - Interest Bearing Accounts Reg DD Bonuses Small Business Accounts - ATM &Check Cards Car Dealer Reserve Account Cashing Deceased Spouse's Checks Time Frame for Checking Statements Due Diligence on a Spouse Durable POA Removing Joint Owner From Account Authorized Signer's Rights Due Diligence on a Spouse Reg D Withdrawal Limits Violation Pull a Credit Report for an Account Sole Proprietorships & FCRA Adverse Action Notices Sole Proprietor Vs Sole Practitioner Selling Individual Retirement Accounts (IRAs) Free Checking Advertising - Inactive Account Fee Giving a Gift Card as a Deposit Premium Minor MMA Using Payroll Accounts to Avoid Summons Identity Theft Red Flags Account Opening - Written Consent Required? Disbursing UTMA Funds Without Custodial Approval POA Documentation Original Issue Discounts LLC with a POD? Phase II Exemption - Same Owners, Different TIN Increasing Savings Account Deposits a Must Stopping an ACH Insurance Debit Furniture Store Acting as a MSB CTR Filing on Separate Deposits S Corp Interest Bearing Account The Benefits of Health Savings Accounting Third Party Privacy Hold USA PATRIOT Act Confusion Rate Sheets - Are They Considered Advertisements? CTR - Original Transaction or Combined Transaction Can We Close the Account after the CD Matures? Custodian's Funeral Paid by Minor Account? CTR on Night Deposits & In-person Deposits Trust Account - Authorized Signer Documentation Preauthorized EFTs & "Substantially Regular Intervals" E-Statements POA Added on a Minor Account? File an Amended Designation of Exemption? Displaying FDIC Signage Before the Compliance Date More Than One Minor on an UTMA? What does TOD Mean? Check Deposited into POAs Account Two Separate LLCs, Same Owner & Same EIN UTMA Custodian Treat Them as an MSB? Power of Attorney on a Joint Account Wait Until the CD Matures or Close it Now? Extenuating Circumstances Direct Deposit of Her Payroll into His Account Account Closing - Compliance Issues Close the Account or Continue Filing SARs? More than One Executor for an Estate Account? Transferring HELOC Funds into Checking Account Fiduciary Accounts - Ownership & Disclosures Commercial Internet Banking What is a Conduit IRA? Equal Housing Logo - What is it? Penalty on Interest Credited to CD? Levy the IOLTA Too? Insurance Coverage of Government Deposit Accounts Do We File a CTR When Multiple Checks are Cashed? Account Opening - Requesting Email Addresses Signer Responsible for Charged Off Account? Cancelling a Stop Pay Debit Card Cancellation - Notification Required? Refusing USP Money Orders for Deposit UTMA with a Co-custodian Bank Wants to Increase Fees, Disclosures Required? Are We Aiding Customer in Avoiding a Levy? "Reasonable Effort?" Fiduciary Adding a Signer to an Account Husband & Wife Joint Sole Proprietorship Account Are Sole Proprietorships & DBAs the Same? Understanding Factors that Affect Credit Scores Transfers Subject to Reg D Transfer Limitation Is Closing an Account Adverse Action? Designating the Signer on Sole Proprietor Loan Paying Interest on a DDA Returned Statement Record Retention Trigger Term Lapel Pins? FACTA - ID Theft Procedures HSA Obligations CD Documentation Charging Back a Returned Item to Another Account List Spouse as "Survivor" not as POD? Living Outside of US - Monthly Statements SSI Check Deposit Account Restrictions Bank Merger - CD Cashing MMA with a 3 Year Old Signer? IRA Account Documentation Free Checking Account Inactivity Fee Now Account Owned by LLC - Options & Penalties Service Charge Change Notice Signing Over a Government Check Deposit Pick Up Family Trust - POA�s Authority FDIC Signage Change Notifying Customer of Hold Power of Attorney Appointment Notice of Levy Extends to Loans, Too? Direct Deposit/Minimum Balance Required LLC Owning an Interest Bearing Checking Account Free Account - Some Restrictions Apply Hold on a Split Deposit POA on a Revocable Trust Account CD Retitled into Living Trust, Withdrawal Penalty? Ready Reserve Account - Customer Notice Required Beneficiary Info for CIP & KYC Bank's Right to Refuse Deposit of Fraudulent Item Forgery of an Electronically Converted Check Penalty for Early Closing of Time Deposit Account Unauthorized Paper Draft/ When Do We Recredit Acct Changes for NOW Account Eligibility? We Are the Business! Now Deposit Our Check! Decedent�s Right to Financial Privacy? What are Sweep Accounts and what do I need to consider? Deposit Disclosure Booklet Surprise Employee Statements Sent Via Email Social Security Check Offset Signature Stamp Liability Short History of NOW and MMDA Accounts Recourse Against Account on Returned Check Corporate Resolutions What is the Toaster Rule and Requirements? Is this Transaction Fee a Finance Charge? LLC Ownership of a Money Market Deposit Account Interest Bearing Accounts for Non U.S. Citizens Is a transaction considered high-risk when� Use of "Instuto Federal Electoral Card" as ID HSA Compliance Issues Rule to Combine Business & Personal Accounts? What Becomes of Matured CDs? ITF & POD Beneficiary Designation Training All Staff When Acquiring a New Transaction System Joint Checking and Estate Settlement Problem Deceased Customers Broad Reach of a Garnishment ID Verification Via Mail for HSAs Handling Non-receipt of ACH over the Phone Is an IOLA Account Covered Under FDIC Insurance? Withdrawal of CD, Modified Terms More than One Authorized Signer on an Account Opening a Donation Account APY Calculations Offset Corporate Signer�s Personal Account? Assessing Fees on "No Fee Checking" Accounts Interest Rate of Loans Secured by Deposit Accounts Corporation Wants Four DBAs Under One Account