We have a checklist that we give/fax to the organization that lists the necessary information to complete a change of signers. This would include CIP information as well as a new resolution, etc. We cut off access to online banking, vru, etc for the signers being replaced but we allow inclearings. At the bottom of our checklist form we have the following language which seems to get their attention because we have not had a problem:
"IMPORTANT NOTE WHEN CHANGING SIGNERS!!
Filling out preliminary forms does not constitute a change of signers on the account. When (the Bank)is notified that a change is to take place, those individuals being removed from the account will no longer have access. However, only after the new account agreements are completed (signed by all signers) will the addition of new signers, take effect. If you do not act in a timely manner, we may have no alternative but to freeze the account."