Frequently Asked Questions


If you currently have an account with us, you can choose "Yes" in the Speed up your application section. We will automatically prefill the application with the information we already have on file for you. All you'll need to do to is provide your deposit account (excluding CD accounts) or loan account number along with the Available balance.

If you will be the only person to have ownership on this account select Individual. If you want to add a co-owner to the account, select Joint. 

Regulations require us to collect and verify certain information to ensure that we know the true identity of any individual who seeks to establish a banking relationship with us. This information helps us to better understand our customers and establish account eligibility. 

A wire transfer is a form of electronic money movement that moves the money real-time from the sending account to the receiving account at another bank. These types of transfers are less common and often require you to pay a fee and interact directly with a person at the bank either in person or over the phone.                                 

Disclosures contain the important terms and conditions that apply to your new account. Reviewing and accepting disclosures ensures that you are informed about how we will manage your new account. 

W9/Tin Certification

A mandatory withholding that may be imposed when rules regarding taxpayer identification numbers, (usually a Social Security number) are not met by the individual. Another way for these withholdings to take effect is when a notice is issued by the IRS to withhold on payments to that individual. Backup withholding may be claimed as a credit by taxpayers on their federal income tax return.

For federal tax purposes, you are considered a U.S. person if you are:

  • An individual who is a U.S. citizen or U.S resident alien,
  • A partnership, corporation, company, or association created or organized in the United States or under the laws of the United States,
  • An estate (other than a foreign estate), or
  • A domestic trust (as defined in Regulations section 301.7701-7).

The Foreign Account Tax Compliance Act (FATCA) requires a participating foreign financial institution to report all United States account holders that are specified United States persons.

Certain payees are exempt from FATCA reporting.