Click here for a form to help you start to open an account. Just fill out these forms, print them and bring them in to a personal banker at one of our locations. This will save time in the account opening process.

Account Opening Identification Requirements:

To open a Savings/DDA/NOW and/or Certificate of Deposit Account two pieces of identification are required. One form must be from category A and the second piece of ID may be from category A or B.

1. Primary Identification:
1. All identification must be current-over 90 days old
2. Valid State issued drivers license
3. State of Illinois Identification card
4. United States issued Passport
5. Employer issued Photo Identification
6. Firearms identification card
7. Military identification card
8. Non-resident alien identification card

1. Secondary Identification:
1. Current Illinois utility bill
2. Notarized lease agreement
3. Notarized mortgage/closing documents
4. Public assistance identification card

• Account Info Sheet
• W9
• Signature Sheet

Joint Tenancy with Right of Survivorship.
If two or more persons select a joint tenancy account on the Account Application for an account, the signers agree that they own that account as joint tenants with right of survivorship. This means we may pay out all or part of the funds in the account to, or upon the order of, any one owner of the account. Also, if an owner dies, the funds remaining in the account will be payable to the surviving owner(s). It is our policy to request certain documents upon notification of the death of any of the joint owners before the funds in the account can be released. Except for transfer of ownership upon the death of one or more of the joint owners, the title and ownership of a joint account can be changed only with the written authorization of all owners. This type of account ownership does not create a tenancy by the entirety.

Totten Trust Account (Upon Your Death, the Account Balance is Payable to Your Designated Beneficiary).

If you open an account as trustee for a named beneficiary, without other formal trust papers, the account will be treated as a Totten Trust deposit (sometimes called a payable upon death account). You may make deposits, withdrawals, or close the account at your discretion, and you may change the beneficiary. After your death, the balance in the account will be paid to the beneficiary or to his or her legal representative if the beneficiary is a minor. This is subject to applicable law, and to the provisions of other documents covering the account. The trustee, or any trustee if there is more than one, may change the designated beneficiary (ies) without the consent of any other trustee or the beneficiary (ies). Between trustees, where there is more than one, the account is considered a joint account with right of survivorship, and is subject to the provisions referred to above for joint accounts. The beneficiary must survive both trustees to receive the balance of the account.

Custodial Accounts for Minors.
When you establish an account and make any deposit as custodian for the benefit of a minor, you are making that deposit under the Illinois Uniform Transfers to Minors Act, and all deposits to that account shall be governed by that Act. If you would like, we will happily provide you with a copy of the Act for your records. Deposits may be made to an account controlled by an adult acting as custodian for a person who is not yet 18 years old (a minor). Once a deposit is made to the account, that deposit and the interest it earns belong to the minor. Until the child reaches the age of 18, control of the account generally remains in the hands of the custodian. Tax liability generally will be in the name of the minor, and the custodian must therefore include the minor's Social Security Number when the account is opened. Only one adult at a time may serve as custodian for a minor. A successor custodian may be designated at the time of account opening on the signature record, or at a later time. Consult your tax adviser concerning this type of account.

Tenants-In-Common Accounts
No Rights of Survivorship
This type of ownership is available for some types of accounts. All funds on deposit in these accounts are owned as tenants-in-common. The balance in the account is subject to withdrawal, transfer, or other disposition, only when authorized or approved by all owners or their legal representatives. Unless indicated otherwise on the Account Application the ownership interest of each owner in the account balance is considered equal. Upon the death of any one of the owners, the deceased persons interest will go to the heirs of the deceased person and not to the remaining owner(s).

Tenancy-In-Common Accounts
Tenancy-In-Common Accounts also may be established by more than one Account holder. Each Accountholder owns an equal share of the Account. Each Accountholder authorizes the Bank to accept for deposit to this Account items payable to one or more of the Accountholders, whether or not such items bear their endorsement. The signatures of all Accountholders, or their legal representatives, are required to withdraw funds from a Tenancy-In- Common Account. A Tenancy-In-Common Account does not have a right of survivorship. If an Accountholder dies, the Account holders share of the Account belongs to his or her estate. We require appropriate documentation before we release any funds to an estate.

Fiduciary Accounts.
You may establish other types of Accounts for the benefit of another person. These Accounts may be opened by a legal representative of another party, such as an executor, administrator or conservator of an estate or trustee under a trust agreement. We may require you to provide us with documents, satisfactory to us, that authorize you to act as a fiduciary before we establish a fiduciary Account for you.