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Do's and Don'ts for Signature Cards

The signature card/account agreement is the most important document on the deposit side of the financial institution. In this document, many regulations merge. Historically, the signature card was a small three-by-five index card where we housed sample signatures for our account owners.
Upcoming
DATE

Tuesday, February 10, 2026
11:00 am - 1:00 pm

INSTRUCTOR

Deborah Crawford

FORMAT

Webinar

$299.00 or 1 Token

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Customer Service
  • Deposit
  • Deposit Accounts
  • Deposit Compliance
  • Branch Manager
  • Compliance Officer
  • Deposit Operations Manager/Specialist
  • New Accounts Representative
  • Private Banker
  • Training Manager
  • Trainer

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Today, the signature card and account agreement house the W-9, proof of receipt of federal disclosures, state ownership, and many of the legal issues of checks. It is an amazing document and varies from state to state and financial institution to financial institution.

This program is designed to help you break down and understand your signature card and account agreement. It will help you understand and build better relations with your account holders.

What You'll Learn

  • Basic signature card components
  • Altering contracts
  • Ownership issues on single party accounts
  • Authorized signers, cards without signatures
  • Removing joint owners and changing signers
  • Joint accounts with mixed conjunctions
  • What happens when you forget to check a box
  • State requirements of rights at death and initialing type of ownership
  • POD accounts without beneficiaries
  • Power of attorney’s changing ownership to benefit his or herself
  • UTMAs with authorized signers
  • UTMA with joint owners
  • Learning more about the old style “Minor by” accounts
  • What is my job on the contract as withholding agent?

Who Should Attend

This webinar is ideal for new account representatives, membership service representatives, personal bankers, branch managers, branch operations, branch operations, deposit compliance officers and staff, and all deposit personnel.

Deborah Crawford

Instructor Bio

Deborah Crawford is the President of Gettechnical Inc., a Florida based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 35+ years of combined teaching and banking experience.

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