Door #1: Sucks
Door #2: Preferred
Door #3: It will "save" the account opening, but is labor intensive.
If Kaybee & Brenda come to your bank and open an account and say Ken will bring in documents "later" so he will be a third party to the account, Ken is not a person opening an account with your institution; Ken is not a customer for the purposes of CIP. Doors 1 & 3 make that open to question.
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.