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NLNB Blog

New Accounts

Who to talk to. What to bring. What to ask.

New Accounts

Opening a new bank account is not something you do every day. So, who do you talk to? What do you bring? What questions do you ask? Banking shouldn't be a scary process. We want to provide you with the answers you are looking for so the next time you think about opening a new bank account; you will walk in like a pro.

Who do I talk to?
If you’ve never opened an account before, looking to expand your account portfolio or are looking for further information, visit or call the Bank and ask to talk with a Personal Banker. Personal Bankers are the specialists in charge of opening accounts and finding the account that best fits the customer’s needs. They are the best equipped to help you with your new account as they understand the unique account features and regulations.

What do I bring?
When opening an account for the first time at a financial institution, you will need to fill out a Customer Identification Program (CIP) form and provide two forms of identification. Sounds intimidating, but you may just have all you need in your wallet. After your first account is open, you will no longer need to do this to open additional accounts at that financial institution, as the bank has your information on file. You will also need to bring funds for an opening deposit, which varies by account.  (Note: you must be 18 years of age or older to open an account, otherwise you will need to have a cosigner present.)

The CIP form asks for the following information:

  • Legal Name (Last, First, Middle Initial)
  • Date of Birth
  • Citizenship Status
  • Social Security Number
  • Physical Address
  • Phone Number
  • Email
  • Occupation

If you are looking to open an account at NebraskaLand National Bank for the first time, we have a helpful sheet you can use. Click here to download.

The following items are accepted as forms of identification. You need to provide one primary form of identification and one secondary form.

Primary ID’s: (provide one copy and attach)

Secondary ID’s: (provide one copy and attach)

U.S. Citizen’s:

  • U.S State Issued Driver’s License
  • U.S. State Issued Identification
  • U.S. Military Identification
  • U.S. Issued Passport

Resident Alien:

  • Green Card/Permanent Resident Card

Non-Resident Alien:

  • U.S. Visa (Non-Resident Alien Only)
  • U.S. Employment Authorization Card
  • Foreign Passport
  • Social Security Card
  • W-2
  • Credit Card/Debit Card
  • Tribal ID Card
  • Insurance Card
  • Income Tax Return
  • Birth Certificate
  • Local Utility Bill
  • Firearm License
  • Property Tax Bill
  • Voter Registration Card
  • Student ID Card
  • Local Employer ID Card
  • Concealed Handgun Permit

 

With these items, the bank can verify your identity and begin the account opening process. If you are going to have multiple owners/signers (Owner: the only person with the legal authority to make changes on an account. Signer: has the ability to write a check for the account) on the account, they must also fill out the CIP form information and provide two forms of ID.

If you are opening a specific type of account, it may also require additional information.

  • If you are submitting information to open a Health Savings Account (HSA) or an Individual Retirement Account (IRA), you must also have the beneficiary’s SSN numbers.
  • For HSAs, you need to have the paperwork that states whether or not you have an individual or family plan.
  • To open an account under a trust, you must have the trust documents.
  • Power of Attorney papers may also be necessary if applicable.
  • Business accounts must provide the business EIN, Articles of Organization and Bylaws.

What questions do you ask?
When exploring new accounts, here are some questions you can ask to better understand your options. The Personal Banker will review many of these with you to help you find the best option for your finances.

  • What types of fees will this account incur?
  • Does this account earn interest? How do you qualify to earn interest on the account?
  • How many transactions can I make with this account?
  • Does this account include paper statements, or do I have to enroll in online banking?
  • Does this account come with a Debit Card or checks?
  • Can I use your mobile app with this account?
  • What additional features come with this account?
  • What additional features does your bank provide for my financial needs?

You can always ask more questions, but this will help you get a basic understanding of what the account entails and how it will help you.

Taking these steps can help make opening your new account a breeze. We would love to help you with any further questions you may have or new accounts you would like to open. If you are hesitant about the headache opening a new account may bring, NebraskaLand National Bank has designated Account Transfer Specialists to make the transition easy. Contact a Personal Banker today!

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