The Business Account Agreement serves as the foundational document governing the relationship between financial institutions and their business clients in the United States. This agreement is essential when establishing new business banking relationships and typically includes comprehensive terms covering account operations, signatory rights, fee structures, and regulatory compliance requirements. It's designed to comply with federal banking regulations, state-specific requirements, and institutional policies while providing clear guidelines for both parties. The agreement particularly addresses modern banking needs including electronic services, security measures, and anti-money laundering compliance.
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1. Parties: Identification of the financial institution and business account holder
2. Background: Context of the agreement and relationship establishment
3. Definitions: Key terms used throughout the agreement including account types, banking services, and regulatory terms
4. Account Operations: Basic terms governing account operation and maintenance, including deposits, withdrawals, and account access
5. Authorized Signers: Rules regarding who can operate the account and documentation requirements for authorization
6. Deposits and Collections: Terms governing deposits, fund collection processes, and funds availability
7. Fees and Charges: Terms regarding account fees, service charges, and payment obligations
8. Security Measures: Account security protocols, fraud prevention measures, and customer obligations
9. Compliance Requirements: Terms relating to regulatory compliance, including BSA, PATRIOT Act, and KYC requirements
10. Termination: Conditions and processes for account closure and agreement termination
1. Electronic Banking Services: Terms for online and mobile banking services, including security protocols and liability
2. International Transactions: Terms governing international banking services, foreign exchange, and cross-border transactions
3. Merchant Services: Terms for payment processing services and merchant account operations
4. Treasury Management Services: Terms for advanced cash management and treasury services
5. Overdraft Protection: Terms governing overdraft services and related fees
1. Schedule A - Fee Schedule: Detailed listing of all applicable fees and charges for account services
2. Schedule B - Authorized Signers List: List of individuals authorized to operate the account and their signing authorities
3. Schedule C - Required Documentation Checklist: List of required business documentation for account opening and maintenance
4. Schedule D - Electronic Banking Terms: Detailed terms and conditions for electronic banking services
5. Schedule E - Privacy Policy: Detailed privacy and data protection policies and procedures
6. Schedule F - Funds Availability Policy: Detailed policy regarding availability of deposited funds
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