Overview

Customers can begin a personal or business banking relationship, complete identity verification, enroll in Digital Banking, and move into active account use.

• Personal checking and savings accounts
• Business operating accounts
• Digital Banking enrollment
• Debit card access
• Direct deposit setup
• Administrator and user permissions (business)
• Treasury-ready account relationships

What To Expect

Each step is designed to be secure, orderly, and easy to follow.

• Providing identifying information
• Completing digital enrollment
• Verification review
• Account creation
• Digital Banking activation
• Funding and account use

Identity & Verification

Account opening may require a full legal name, address, date of birth, contact information, government-issued identification, and additional verification when required.

Businesses may also be asked for business name and structure, tax identification number, ownership information, authorized signer details, and supporting documentation.

Personal Account Opening

Personal account onboarding supports checking account setup, savings account creation, debit card access, direct deposit enrollment, Digital Banking activation, and internal transfers or account linking.

Personal signup may create a Demand Deposit Account (DDA) relationship, with the Earth Savings Account included as part of the onboarding experience when applicable.

Business Account Opening

Business onboarding may include operating account setup, administrator designation, authorized user permissions, Digital Banking for Business enrollment, treasury-ready account structure, merchant settlement support, and linked business accounts.

Digital Banking Enrollment

Digital Banking connects account opening to active account management.

• Account balances
• Transaction history
• Transfers
• Bill pay
• Deposit monitoring
• Statements and notices
• User permissions (business)