Scenario: Parent wants to add out-of-state adult child to their account as an account owner. The child can't be present to be added to the account.

For CIP purposes, do you require the child to provide an affidavit confirming their identity along with the regularly requested I.D. docs? By the way, we don't have online account opening capabilities.

Yes, I did a search in the threads. Didn't find anything.

You would most likely need a fairly robust non-documentary verification process similar to those when you open accounts on-line. What you choose as adequate documentation is really up to the bank and the board, as this would all have to be outlined in your Board approved CIP prior to allowing it to happen if you currently do not address opening accounts not in person.

The other option is just to say no, but have them stop in the next time they are in town and you can take care of them. That is what I had to do when my mom wanted to do the same thing,

Thanks, Randy. I appreciate the response.