Is there a limit on the number of IRA's an individual can own at a bank?

If you are wondering about types of deposit IRAs, then your customer could have Traditional, Roth, Coverdell, etc. but would need a custodial agreement for each. Our institution, for example, would get a seperate agreement for each type of IRA that had different sets of beneficiaries. eg Traditional with wife as beneficiary, and Traditional with his two kids as beneficiaries - each would need a separate agreement.

There should be no limit to the number of different IRA certificates of deposit that customer can have (taking into account IRA contibution limits or your institution's minimum $ requirements).

Many clients seperate funds being transfered from an employer as well so they can more easily move them back to an employer if they wish to rejoin or join a plan. There is no limit, as stated above.