FAQ: General Information Q: How much do I need to deposit to open an account?
A: Community Bank of San Joaquin offers a variety of accounts. Statement Savings accounts for
customers under 18 require a minimum opening deposit of just $25. Most of our other accounts can be opened with an initial deposit of $100. Contact us for more details. Q: Are my accounts insured?
A:Yes. The Federal Deposit Insurance Corporation (FDIC) insures Community Bank deposits. The amount of insurance coverage provided
to the owner(s) of the funds in the account is $100,000. FDIC deposit insurance coverage is based on the concept of ownership rights and capacities. Funds held in different ownership categories are insured separately from each other. Please contact us for more details. Q: What do I need to open a personal account?
A:Generally, we ask for identifying information and we verify that information to help confirm the identity of new customers. Click here to get started! We ask for two pieces of identification when opening a new account. A valid California
Driver's License and a major credit card are often used. An alien registration card, military identification card, U.S. passport and other identification cards with photographs may also be used. If you have any questions, please contact us. Q: What kind of documents are needed to open a business account?
A:Generally, we ask for
identifying information and we verify that information to help confirm the identity of new customers. Click here to get started! For sole proprietorship, we need proper individual identification and may need a copy of the ficticious name statement for the business. For partnerships, we need proper
individual identification and a copy of signed partnership papers. For a corporation, we need proper individual identification and a copy of your corporate resolution and/or articles of incorporation and bylaws, and the tax identification number (TIN) for the business. Additional documentation may be needed and is subject to review on a case by case basis. Contact us for more details. Q: I have a living trust. Does the Bank need a copy of it to open an account?
A: In order to have your accounts covered by the guidelines of your trust, the Bank must review a copy of the trust and keep certain information on file. Please inform the Bank about your trust before starting the account opening process. If
you choose to open an account without assigning it to your trust, this account will not be protected by the guidelines of your trust and may be subject to probate upon the death of any of the assigned accountholders. Q: Can I add a Power of Attorney or additional signers to my account if I have a living trust?
A: Accounts established under a living trust are governed by the terms of the trust. Additional signers, powers of
attorney, or any other changes can only be made to the account only if the living trust allows for such changes. Many do not. Q: What is ChexSystems?
A: ChexSystems is a national service that many banks use to verify new customer information prior to opening an account. | 
