Requirements for Opening a New Account

Individual or Joint Account

  • Valid Government Issued Picture ID (Driver’s License, State ID, Passport or Military ID)
  • Social Security Card (W2 or government issued document to verify SSN)
  • Current Physical Address (must be able to verify on Driver’s License, State ID, Credit Report, Utility Bill, Pay Check Stub or Mortgage or Lease Agreement)
  • Date of Birth (Must Be able to verify on Driver’s License, State ID or Birth Certificate)
  • Finger Print
  • $10 New Member Fee
  • $15 New Joint Member Fee
  • $20 Minimum Balance for Share Account
  • $0 Minimum Balance for Share Draft

Children’s Account (Savings Only)

  • Must be 17 years old or younger
  • Birth Certificate
  • Social Security Card
  • Date of Birth
  • Physical Address (Parent must provide proof of address)
  • Finger Print
  • $1 New Member Fee
  • $5 Minimum Balance for Share Account

Children’s Account (Checking)

  • Must be age 16-17 years old
  • Must have a parent as a joint owner
  • Student ID or State Issued ID
  • Debit Card only issued for account (no checks)
  • All of the above requirements for Joint Account

Business Account

  • All of the above Individual Account requirements for Authorized Signers on the Account
  • Federal Tax ID Number (must be on a government issued document)
  • Articles of Incorporation, Partnership Agreement, or Business License
  • Letter from President/CEO, or Owner authorizing Signers on the Account (must be on letterhead)

Club or Organization Account

  • All of the above Individual Account requirements for Authorized Signers on the Account
  • Federal Tax ID Number (must be on a government issued document)
  • Articles of Incorporation, Partnership Agreement, Business License, or Bylaws
  • Letter from President/CEO, or Owner authorizing Signers on the Account (must be on letterhead)
  • $100 Minimum Balance for Share Account

Estate Account

  • Death Certificate
  • Official Letter designating Administrator/Executive of Estate
  • Federal Tax ID number (must be on a government issued document)
  • All of the above Individual Account requirements for Authorized Signer(s) on the Account

 

FLCCU requires all of the following items for all persons when opening an account to comply with the U.S. Patriot Act, Office of Foreign Asset Control, and National Credit Union Association.