What documents do I need to open an account?

The exact documents we will need to complete your application will depend on your business type and what details we can verify without documents. Here's a general outlines of the documents we might ask for. 

Personal verification

In order to open a bank account for you, we are required to collect and verify some of your personal information, including your name, address, and Social Security number. In many cases, we can do this without any documents. If we do need documents, we may ask for an ID, your Social Security card, or address verification (for address verification, we can accept a current utility bill, lease agreement, or mortgage agreement). 

If your business is a sole proprietorship 

  • If you don't have a DBA ("doing business as") name or an EIN (Employer ID Number), we won't ask for any documents. 
  • If you have a DBA name and your state requires that you register it, we will ask for a copy of the registration document. This will be called an Assumed, Fictitious, or Trade Name filing, depending on your state. 
  • If you have an EIN and we're not able to verify it automatically, we will ask for a copy of your EIN assignment document from the IRS. 

If your business is a general partnership

  • We will ask for a copy of your partnership agreement (which is a document drawn up by you and your partners, potentially with the help of your attorney). 
  • If you have a DBA name and your state requires that you register it, we may ask for a copy of the registration document. This will be called an Assumed, Fictitious, or Trade Name filing, depending on your state. 
  • If you have an EIN and we're not able to verify it automatically, we will ask for a copy of your EIN assignment document from the IRS.

If your business is a corporation or LLC 

  • We may ask for a copy of the documents you filed with the state to form your business. Depending on the state and your business type, this could be called any of the following names: 
    • Articles of Organization
    • Articles of Incorporation
    • Certificate of Organization
    • Certificate of Incorporation
    • Certificate of Formation
  • If you have a DBA name and your state requires that you register it, we may ask for a copy of the registration document. This will be called an Assumed, Fictitious, or Trade Name filing, depending on your state. 
  • If you have an EIN and we're not able to verify it automatically, we will ask for a copy of your EIN assignment document from the IRS.
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