Do any of your banks allow a business to continue using the same User ID at the request of the owner if the person it was issued to has been taken off the business accounts? In this case, there are numerous bill pays, scheduled transfers, etc. set up under this particular User ID that would be very time-consuming to set up again under a new User ID. We would of course change the password,security Q&A, etc.and on the enrollment form we add a statement similar to what is on corporate resolutions. "This enrollment supercedes enrollment dated ______ signed by _________. All transactions prior to the effective date of this enrollment form are hereby ratified, approved and confirmed." Still not completely comfortable with this. What are other banks doing?