Help:
 does anyone have Digital insight  & the  core Cunify 
this mix has now caused all accounts to be linked by SS#  & if a person want to change the address on only one account -it auto changes the addresses on all account with that SSN 
if this is the same for you -do you address this in a disclosure -is the info on your account agreement-did you find any kind of work around ??any advise  is SO welcomed  

We need to know if other banks/institutions are using electronic signatures on new accounts, including CD's and deposit secured loans, if so do you need a new disclosure with any changes to the account or if you have one already on file with this suffice?

Many non-resident aliens don't know how to answer or language is a barrier when asked questions about their alien status at account opening.  The IRS publication is 68 pages.  How does everyone handle questions about the substantial presence test if we are not supposed to assist in making the determination or offer advice? 

Anyone using Meridian Link for online account opening?  We use Horizon with FIS but would like to hear from any bank that is using the Meridian Link Platform.  Please let me know if it works well or if there are issues.  

Does anyone have a sample letter that you send to a customer that has closed their account by mail, phone, or when it closes automatically due to being at a zero balance?