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Do’s and Don’ts of Signature Card Contracts

The signature card/account agreement is the most important document on the deposit side of the financial institution. In this document, many regulations merge.

OnDemand
Recorded Tuesday,
July 9th, 2024
Presented by Deborah Crawford
2h total length
$299.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

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

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Historically, the signature card was a small 3x5 index card where we housed sample signatures for our account owners. 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 some 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 will benefit new account representatives, personal bankers, branch managers, branch operations, customer service representatives and training 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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