Answer by Ken Golliher:
None of the primary resources you list discuss a requirement that the W9 be completed entirely in the customer's handwriting. We have all signed a number of documents ranging from notes to marriage license applications that were completed by a third party before we signed them.
If we sign a document, we are responsible for reading it and understanding its implications particularly when it says, "Under penalties of perjury."
Answer by John Burnett:
To follow on Ken's comments, if one decides to prefill the checkoff blocks on the W9 (or any other form, for that matter) for the customer, it behooves one (I've wanted to use that word for a long time!) to inquire of the customer how the blocks ought to be checked.
First published on BankersOnline.com 3/17/03