Understanding Signature Cards and Account Agreements: Account Titling, Ownership & Access
What would happen if you were called upon to give a deposition in court on a signature card for an account you opened thirteen years ago at an institution you no longer worked for?

What would you say when an attorney asked you to remember the accountholder’s intentions when you opened that account? In this informative program you will learn that your signature cards are a legacy that you leave the financial institution for many years to come. How an account is set up can impact your accountholder’s insurance coverage. It’s critical that employees clearly understand ownership, titling and access under your signature card contract. If you do not then the financial institution will have potential liability. This is a “must attend” seminar in order to learn more about risks, liability and losses that can occur due to signature card contracts. And, most importantly, how to avoid these issues!

Covered Topics

  • Understanding the five major components of a signature card
  • What are the “big three” areas and what happens when they don’t match on the card
  • Losses, liability and what went wrong in cases where institutions lost big money
  • Dealing with signature card changes: white out, crossed out, etc
  • Looking for key signature card issues: offset, how to close accounts, etc
  • How a signature card set-up can cause your accountholder to be uninsured
  • Required disclosures on a signature card
  • Rights of offset, arbitration, postdated, stale dated checks and other customer issues
  • Why altering contracts can cause big losses


This interactive session will give an in-depth understanding of these rules and is imperative for anyone performing duties in real estate lending areas of the financial institution. This includes loan officers, supervisors, auditors, closing agents, compliance officers, trainers and others working in these types of positions.


Deborah Crawford is the President of gettechnical inc. She specializes in compliance and regulations for the deposit side of financial institutions. Her 20+ year career in banking and training began at Hibernia National Bank. She has been a seminar leader for many state associations and credit union groups across the nation. She has Bachelors and Masters degrees from Louisiana State University. 

Credit Information

Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2.5 CE Credits


Live Webinar which includes 5 Day On-Demand  - $265
Six Month On-Demand – $295
Live plus Six Month On-Demand – $365
CD-ROM (Includes Six Month On-Demand) – $325
Premier (Includes all options) – $395
Additional Locations – $75                


Online: Click here.

Phone: Call Total Training Solutions at (800) 831-0678

Register online up to day of event. Earlier registration allows time to check your computer for an optimal experience.