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NACHA NDIP New Accounts Nigerian Fraud Night Deposits NOW Accounts NSF denotes Guru Question & Answer. NACHA Would These CDs be Subject to Reg E? ARC Rules Stopping an ACH Insurance Debit Timeframe for ACH Transaction Dispute Direct Deposit of Her Payroll into His Account EFT Check Collection Reg E Compliance for Beginning of 2007 Reg E Compliance Verbal Stop Pay Originating Bank Returning/Reclaiming Funds Unauthorized or Revoked ACH Debits NACHA's Settlement Date or Reg E's Statement Date? E-checks Requiring Two Signatures Returning an Unauthorized E-Check Paper Items Returned NSF Redeposited Customer's Time Limit on Unauthorized ACH Entries Final Responsibility for the Annual ACH Audit Which Rules Govern Returned e-Checks? RCK Transaction Collection Limiting Liability for Certain CCD Debits Business Customer Claims Unauthorized ACH ACH Re-Presentments Again and Again Regulation E, Check Conversions, the ACH and Stop Payments ACH Fines for Unauthorized Transfers Applicable Rules to ACH Stop Payments Notification of Check Conversion Possibilities NACHA & Business Accounts NACHA Rules on Internet ACH Debits A Billion ACH Payments Added in 2002, NACHA Announces NACHA Survey Shows Growth of Electronic Bill Payment NACHA Rules & Notice Requirements NACHA to Demonstrate Project ACTION's Bank-Centric Internet Payment System NDIP NDIP Signs in Deposit-Taking Areas Investment Firms and Banks Self-dealing Can We Take A Qualified Annuity As Collateral? Multiple Products, One Ad, & Disclosures Required Disclosures To Advertise FDIC Insured (And Non-Insured) IRAs Adding Marketing Language To Monthly Statement Can a commercial loan be made to a borrower if the proceeds are to be used for investing in an annuity? Trust & Investment Products In The Same Ad Question & Answer COMPLIANCE NOTES - Product Names Agency Actions NDIP Suitability: What Is It? NDIP Program Focus on NDIP - Third Party Agreements COMPLIANCE NOTES - Compensation: How Much and When? COMPLIANCE NOTES - Separate Location for NDIP COMPLIANCE NOTES - Third Party Agreements Common COMPLIANCE NOTES - Disclosures: What To Aim For COMPLIANCE NOTES - Web Pages: Placement of Names and Logos EDITORIAL - Where Does Compliance Come From Anyway? Focus on NDIP - How To Sell And Comply Focus on NDIP - FDIC NDIP Exam Procedures Focus on NDIP - Independent Audit Question & Answer Question & Answer Question & Answer Question & Answer Question & Answer Question & Answer New Accounts Reg Q Confusion & Competitor's New Account Promo Association Account Headaches New Accounts Automatically Exempt, Too? Privacy Regs and "Tell a Friend" Marketing Program DBA Set Up as a Trust Account New Account Promo - $25 Gift Card Bonus New Account Promo - Regulations Triggered? CD and Gift Paying Preferential Interest Rates Copy Credit Cards for CIP Documentation Reg CC Hold - New Account for Established Customer Illegal Third Party Inducement? New Customers - Returned Mail Account Ownership Change LLC Account Opening Reg CC - Counting the Days..... Reg CC - Definition of New Account New Account Sale - Referral Fee Opening New Accounts Via Mail Nonresident Account Opening CIP of Nonprofit Signers Account Declined - Adverse Action Notice Pull a Credit Report for an Account Minor MMA Amending Our Reg E Notices & Disclosures Account Opening - Written Consent Required? Using Risk Analysis for Efficient Compliance Programs Sporting Event Tickets - New Account Giveaway Open an Account if You Want a Loan? Funds Availability on a New Account Hold Two Separate LLCs, Same Owner & Same EIN Authorized Signer Requirements Account Opening - Requesting Email Addresses FACTA - ID Theft Procedures HSA Obligations CTR Exemption Extends to New Business? ODP Discussed at New Account Opening Reg DD - Marketing of New Accounts MMA with a 3 Year Old Signer? Now Account Owned by LLC - Options & Penalties Reg CC - Redeposit of Item Returned NSF LLC Owning an Interest Bearing Checking Account New Account Verification ITF Beneficiary on a Business Account? Nonprofit NOW Accounts Non-interest Bearing Estate Account Stop Pay Dilemma New Account Giveaway "Work Purpose Only" Social Security Cards What is the Toaster Rule and Requirements? Business Account CIP Files Opening a Donation Account Refer a Friend A Signature Card for Every Account? Master Signature Card Verification of a Sub-S Corporation Opening an Account with a Puerto Rican ID Getting Around ID & SSN Requirments Reg DD - Marketing of New Accounts ID Procedures for CD Beneficiaries Difference Between Resident & Non-resident Aliens? CIP for Non-resident Alien Sole Proprietorship Opt-Out Procedures for Additional Account Documentation for Opening a Public Fund Account Closes Account. Wants to Open a New Account, CIP? CIP all Signers on a Non Profit Account? Are We Advertising our Overdraft Service? What's the Difference Between a Totten Trust & POD OFAC - Checking Minors Against the SDN List Customers Drawing for a Bonus on Free Checking Convenience Signer on a CD Reg Q - Cash Incentives to Open a Checking Account TISA New Account Disclosure Error Rules & Regs for Minors as Signers on Accounts Styling Minor Account to Protect Minor's Funds Member of Publicly Traded Company Exempt from CIP? Payroll Cards - CIP on Business or Employee? Former Customer Opens Account, No CIP? Changing from Sole proprietorship to LLC Can't Force Employee to Open Acct at Bank Timeframe Before Opening New Savings or MMA? Preventing Bouncing Problems (Best Practices) Before Buying Branch Technology, Go with the Flow Reg Q Confusion & Competitor's New Account Promo Are Your Internal Controls like Swiss Cheese? How To Get New Accounts - Quickly Offering Special Rate for CD - DDA Required Open an Account & Reduce Your Loan Interest Rate More Raffle Tickets for Opening an Account CTRs: Documenting �Known� Customers Will the REAL ID Act Result in a National ID Card? When parties fail to sign the signature card Combining an Application with a Signature Card Creating an Effective CRM Strategy FinCen 314 (a) - Scanning & Storing New Accounts Account Ownership and Telephone Transfers Customer's Signature for Pulling Chex-Systems IOLTAs (for Charitable Purposes) in NOW Account Automatically Exempting Customers w/ the Same TIN Patriot Act - Two Forms of ID to Open Account? Minors Opening Accounts (IL)Legal Account Applicants Account for Non U.S. Person Account Disclosures/ Upon Application Via Internet New Accounts: Do you need an affidavit of sole proprietorship? New Accounts: Guidelines for Non-profit Accounts Account Opening Date Printed on Checks The Traveling New Accounts Representative Attracting New Accounts via Air Miles CIP: Account Opening by Mail or Fax New Account: Creating an Account to Benefit a Minor New Account Information CD renewal disclosures Authorized Signers Using Internet Banking Proper Use of "The" in The Name May We Deny a New Account? DBA Account Ownership Guru Chatter on New Accounts (PDF) Adverse Action on Debit Card Turndowns Board of Directors Liability Check 21 to Improve Efficiency in Processing CIP & SSN Verification Requirements for Signature Cards CIP & IRAs Getting Permission to Run Credit Report on DDA Reg E Disclosure on Bank's Web Site Disclosing Miscellaneous Fees Proper TIN for LLC Who Can Be a UTMA Account Custodian? Explicitly Mentioning the PATRIOT Act on Lobby Notices Obtaining Identifying Info for Old/New Customer CIP and the High Risk Customer CIP and a UTMA Account Verifying Residence Address Multi-Factor Authentication: The Next Generation Solution Pitfalls of Opening Accounts Over the Web Deleting a Name on a Checking Account Opening Accounts by Phone IRETA and IOLTA Accounts Credit Scoring for New Accounts If Your Customer Needs an EIN "Minor by" Account Questions Reg D: Converting To A Different Style Account For Excessive MMA Transactions LLC: TIN or SSN? Suspected ID Theft & SARs Requiring "Trustee" After Signature Verification of Business Accounts MMDA Withdrawal Violations - Reopening Account Documents Required To Open A Business Account Opening One Account For A Customer With Multiple Assumed Names Reg D Transfer Limits & Sweep Accounts Titling Of An Inherited IRA Transfers Between Trust Accts and Operating Accts SSNs & Savings Account For Minors Joint Account Styling: Is "or" or "and" required? Business Accounts: Is a resolution required for account signers? New Account Opening: Is a check buy-back considered a "bonus"? Account for Institutionalized Customer New Account Opening Check: Should it be payable to the institution? New Account, False ID, & Disposition of Funds Interest Bearing Accounts For Business Customers Are All Estate Accounts Required To Have EIN? Must all new account customers verify SS # New Accounts & Notice Of Delayed Availability What documentation should we require to open a deposit account for a political party? Opening Account for Non-Resident Alien Opening Account With Assumed Name Certificates? Opening An Account With A "Stage Name" When opening an account with a fictitious name certificate, must the account be a business account? Sole Proprietorship Accounts & Business License Documentation Opening Non-Personal Account With SSN? Can we open a partnership account with the partner being another business? LLC Accounts: SSN or TIN? Account Styling: SSN or TIN for DDA in individual name, DBA as company? Account Styling: Title Company Escrow Accounts Minor's Saving Account: Can the minor be an "or" signer? TIN Requirements For Nonprofit Organizations Hold on savings deposit Can a UTMA be a demand account? How should a signature card read when opening a trust account? Creating A Deposit Account Manual Referral Programs & Lotteries Campaign Fund Accounts: Candidate's SSN or TIN? Reopening Old Checking Account Preparing for Section 326 Requiring A W8-BEN For Non Interest Bearing Accounts ID For Non US Citizens Classification of Trust Account Two Forms of ID Possible Red Flag on New Account Opening Opening Accounts for Out-of-state Corporations W-8Ben Customer's Joint Account CIP and Rural Addresses CIP and Trust Customers CIP & SSN Requirements Delayed Funds Availability for New Accounts Reopening Account Closed for Reg D Violations CTR on an Estate Account What Can a Minor Have? When the Sole Signer Dies New Accounts: Handling an OFAC Hit Convenience Signers on Trust Accounts Reg CC: When is an AccountConsidered "Open"? Business Account Signer, NSF Abuse, and Refusing to Open Account Verification & Restricting Account Access New Account Forms: Moving Away From Paper New Accounts & Credit Reports Opening New Accounts Following Reg D Check Writing Violations Can a bank require a deposit account as a condition of approving a consumer loan request? New Account Opening: Can you set up an account for a person without their knowledge? Reg CC Disclosures For New Accounts Opening An Account For A Non-Resident Alien - Without A TIN Style Sheet for New Accounts Holds on New Accounts Invalid SSN On New Account How long is a 'new' account new? Use of Thumbprint Signatures on New Accounts Obtaining a Credit Report for New Accounts Opening New Accounts For Non-Profits: Documentation Question & Answer Question & Answer Do's and Don't's for DBAs Question & Answer Question & Answer Question & Answer Question & Answer New Accounts Using New Methods Attention! New Accounts !You Need To Know About The Fair Credit Reporting Act IN THE NEWS - For The New Accounts Desk Question & Answer Question & Answer Is Your Applicant Telling The Truth? Question & Answer In The News� - Interest Bearing Corporate Checking Needed Question & Answer Question & Answer Question & Answer From the mailbag� Question & Answer Question & Answer Want Fries With That? Visualize what is happening at the new accounts desk at your financial institution� You Can Form Your Own Corporation "I Won't Tell You My Social Security Number!" "And I don't have to give you my zip code, either!" COMMENT: from Bill Gearin� Question & Answer Question & Answer Question & Answer Question & Answer Question & Answer Close The Account! NA Know Your Customer Caveat Question & Answer Question & Answer Question & Answer Question & Answer Question & Answer Question & Answer Stealing Assisted By A Bank? It's As Easy As One, Two, Three� African-American Heroes On Checks Need Some Help? Question & Answer Question & Answer Question & Answer "Know Your Customer"-Important! 24 Hour Postage Stamp Service A Look To The Future All It Takes Is Money� Applications Of The Future? Grocery List�Milk, Bread, And Apply For A Loan Income Tax Time Marketing Suggestion Seniors Want To Stay Home Start Young Tax Coupons To Vanish? TV Games "Hi!, I Want To Open An Account. Here's My ID." New Account Application New Account Applications - Easy as 1-2-3-4-5 Question & Answer Can You Identify That Person? What's In A Name�? Nigerian Fraud New Advance Fee Schemes Reported: Old from Nigeria - New From Afghanistan Time Limit For Returning Cashier's Checks AML Certificate Number SARs on Nigerian Letters Request for Customer's Money to Uganda SAR Reports For Nigerian Email Scams PSSSSSST! Want To Make A Bundle? Filing SARs for Stopped Nigerian Scam Nigerian Fraud Growing New Twist Question & Answer Night Deposits CTR on Night Deposits & In-person Deposits Reg for Cash Vaults & Night Deposit Bags Getting Customers to Sign Night Bag Log Mailed Receipts for Night Deposits Is a Surveillance Camera Part of Dual Control FDIC Signage on ATMs and Night Depositories ALERT! NOW Accounts Reg Q Confusion & Competitor's New Account Promo NOW Acct for Sole Proprietorship DBA a Corporation Paying Preferential Interest Rates Title Company Escrow Accounts Tenant Deposit Account - NOW Eligibility S Corp Interest Bearing Account Reg D - Close or Reclassify the Account? Paying Interest on a DDA NOW Account for a Land Trust? Spousal Business NOW Accounts Spousal Partnership Opening a NOW Account Nonprofit NOW Accounts Changes for NOW Account Eligibility? Nonprofit NOW Accounts Short History of NOW and MMDA Accounts Savings Accts Reclassified as Transaction Accounts Change from MMA to NOW, Keep MMA Acct Number? Credit Unions Offering NOW Accounts NOW Account for an IOLTA State, County, Municipal Interest-bearing Accounts Reasoning Behind Law Pertaining to NOW Accounts Limiting Interest Rates on NOW Accounts NOW Account Ownership Non-Profit Corporations With NOW Accounts Understated APY on DDAs - Do We Redisclose? Commercial DDAs and Interest MMDA Ownership Restrictions Ownership When Parent Opens a Minor Account NOW Eligibility Can a company that makes a profit hold a N.O.W. account? Interest on a DDA What is an ATS account? Reclassifying Savings with EFT Access Correct "From" Category for OD Protection Marketing IBAs to Municipalities S-Corporation NOW Account Eligibility Can an estate or trust have a NOW account? Are living/family trusts eligible for NOW accounts? Can An Estate Have A NOW Account? Can a living trust have a NOW Account? NOW Accounts For Subchapter S Corporations? Can the Federal Credit Union Have A NOW Account? Variations On NOW Accounts Required Resolutions For Nonprofit Accounts Reg D - Excessive Use Reg D: Is a hospital considered a non profit organization? Reg D: Converting To A Different Style Account For Excessive MMA Transactions LLC: TIN or SSN? LLCs and NOW Accounts NOW Accounts & Farm Accounts Is there an exception to the NOW account rules that would allow a corporation acting as a fiduciary to have a NOW account? NOW Account Eligibility Religious Organizations & NOW Accounts Is an LLC with a "sole member" eligible for an interest earning NOW account? Not-For-Profit NOW Account Eligibility Requirements Definition: MMDA & NOW Accounts Definition of NOW Accounts NOW Accounts & Incorporated Non-profits NOW Accounts: Requirements For Farm Accounts NSF NSF Check Frustration Reg D Limits -When is a Transaction a Transaction? NSF Return Check Due to Debit Card Hold Texas NSF Fees Overdraft Fee Increase - 30 Days Notice Required? Reg E - Temporary Reversal of OD/NSF Fees Double Charging Refund Included Provisional Credit Notice? Needs Help Understanding Statement Obligated to Inform Other Bank of Check Kiting? Customer's NSF Sent for Collection 16 Years Later Re-ran NSF Check - Came Back as a Stop Pay Reg CC - Redeposit of Item Returned NSF Stop Pay on NSF Item? Number of Times an NSF Item Can Be Presented Return Fee and a Late Fee? Charge an Overdraft Fee & Interest Fee Valid Reasons for a Stop Payment on a Check? Check Collection Procedures Notice of Overdraft - Required? Custodial Check Cashing Against a Minor Account Charging Interest on an Overdraft Reg DD Overdraft & NSF Fee Disclosures Is "Refer to Maker" Still the Last Resort? No ODP. Still Disclose the OD & NSF Fees? Adverse Action Notice Sent to Mother & Daughter? Procedure for Closing Overdrawn Account Paper Items Returned NSF Redeposited UCC - Only Rerun NSF Item Twice 5 Day Hold on Items Returned NSF NSF Fee for POS Transaction Withdrawal Limitations on ACHs Returned NSF Redeposited Checks --- Duration of Hold Is NSF Fee for Paid Items a Finance Charge? Charging NSF Fees on Saving Accounts w/ACHs Merchants Collecting NSF Fees Automatically Time Frame to Return Cashier's Check to BOFD Required to Send Notification of Overdrafts? RCK Transaction Collection Change in Terms Notice for Business Accounts Procedure for NSF On-Us check "The Check is NSF": A Privacy Violation? NSF Fee on an ACH Item ACH Re-Presentments Again and Again Correct "From" Category for OD Protection NSF Fee on a Savings Account LLC Owning an Interest-Bearing Account Overdrawn Accounts and the SSCRA Regulations: Not all Overdraft Programs are Equal Reg. CC & $100 Availability on a Problem Account Customer Trying to Cash NSF Item Charge Back to IOLTA Account Overdraft Privilege as Customer Service Tool Which Institution Holds the Bag on NSF Loss Charging a Fee for Returned Loan Payments Charging a Daily Overdraft Fee Limit on Presentment of NSF Item Daily Overdraft Fees depend on the State Daily Limit On NSF Charges? SAR Reporting For Kiting NSF Check Issue Point of Sale Transactions: NSF Fees & Disclosures Overdraft Privilege: Service or Burden to Account Holders? Check Overdraft Programs & Reg Z Revisions Stop Payment on NSF Check Reclearing an ACH item Business Account Signer, NSF Abuse, and Refusing to Open Account Can we Add NSF Check Amount to Loan Balance? What kind of customer writes NSFs? Choosing To Pay Some -- But Not All -- NSF Checks Privacy Policy Disclaimer Recommend This Site ! Contact Us BankersOnline is a free service made possible by the generous support of our advertisers and sponsors. 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