Education & Resource Center
The Education & Resource Center is designed to provide helpful information, tools, and documents to support informed financial decisions.
CIB Banking Resource Center
From applications and disclosures to planning resources, this section brings commonly used materials together in one convenient place, making it easier to find what’s needed while navigating banking services and financial planning in Minnesota and beyond.
Personal
Business
- Application for Employer Identification Number (via IRS)
- Business Credit Application
- Business Debit Card Application
- Business Deposit Account Information
- Certificate of Assumed Name (via Office of the Minnesota Secretary of State)
- Certification of Beneficial Owners
- Checklist for Business Checking Account
- Guide to Overdrafts
- Personal Financial Statement
- Secretary of State
- Visa® Credit Card Application
Convenience
Resources
All online applicants must be 18 years of age or need a parent or guardian to co-sign. Please note that for most accounts and services, submission of an online application will not replace the necessity for you to personally visit one of our locations to complete the process.
This will likely include:
- Obtaining any additional information needed
- Obtaining your signature on necessary account agreements/documents
- Verification of identification
- Receipt of appropriate regulatory disclosures, etc. You will receive a printed copy of all regulatory disclosure information from Citizens
- Independent Bank upon approval and final signing of the account. Disclosures may include but are not limited to:
- Electronic Funds Transfer Agreement & Disclosure
- Truth in Savings Disclosure Statement
- Privacy Policy
- Deposit Agreement
- Funds Availability Policy
All applications are subject to verification and approval. Please note, we do not solicit accounts outside of Minnesota.
Customer Identification Requirements
In accordance with the USA PATRIOT Act, Citizens Independent Bank is required to obtain a copy of the documents used in identifying our new account customers and in identifying signatory individuals added to an existing or new account. In some cases, identification will be requested for those individuals banking with the Bank prior to the effective date of the customer identification requirements because original documentation was not obtained with the opening of the account, or the Bank is unable to form a reasonable belief that it knows the true identity of the existing customer. In all cases, protection of our customers’ identity and confidentiality is the Bank’s pledge to you.
About Children's Online Privacy
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Citizens Independent Bank's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, visit the Federal Trade Commission's website.