Clarifying Signature Card Confusion for Personal & Business Accounts: Compliance, Account Titling & Ownership

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Thursday, September 29, 2016

12:00 pm – 1:30 pm PT
1:00 pm – 2:30 pm MT
2:00 pm – 3:30 pm CT
3:00 pm – 4:30 pm ET

How important is that account signature card? Believe it or not, that simple card operates as a contract! It specifies who owns the account (a matter of great importance), their roles and responsibilities (are they an owner, an authorized signer, a fiduciary?), and whether it is an account for a natural person or a non-natural person (which dictates whether certain consumer protection laws and regulations apply). The signature card provides the documentation needed when conflicts arise between the parties or if there is a dispute between the account parties and your institution. It is also necessary when handling decedent accounts, when levies or other legal processes are received, and so much more!

Continuing Education: Attendance verification for CE credits upon request


  • The need for having specific signature cards for different types of situations such as individual and joint ownership vs. formal trust accounts vs. business accounts and accounts held in a fiduciary capacity
  • Ramifications of incomplete or conflicting information on signature cards
  • Which laws and regulations apply to various types of accounts
  • Differentiate between owners and other signers on accounts, such as fiduciaries and authorized signers
  • Proper steps for removing signers, adding signers, and other account changes
  • What the IRS says about W-9 certification of taxpayer identification numbers

    • Spreadsheet of account ownership types and various requirements
    • W-9 requirement instructions
    • Employee training log
    • Quiz you can administer to measure staff learning and a separate answer key


"Risks & Precautions for Endorsements & Other Negotiable Instruments"
Held on Wednesday, July 27, 2016
You can order a recording of the live webinar, with a free digital download.


This informative session is designed for new accounts personnel, branch managers and supervisors, compliance staff, auditors, and staff handling account inquiries and changes.

PLEASE NOTE:    Webinar content is subject to copyright and intended for your individual financial institution’s use only.