I audit financial institutions and they don't accept resolutions other than the ones that are generated from their new account software. So it will always be the resolution chosen by the bank. Now this is speaking only of the banks that I have audited over the last 15 years. I tend to see the same types of resolutions at various clients and they all have a place to designate the number of signers required for specific transactions (ie, checks, borrowing, transfers, agreements, etc.) It is what I would refer to as an industry standard but are they also shooting themselves in the foot? Typically, the only time I see a customer's resolution that they actually prepared, would be in a loan file.