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    03 — Value stream · VS-410

    Apply-to-Account

    Carry a person or business from an application for a checking, savings or business account to a funded account they can use. The stream runs identity checks and screening before the account exists, so verification normally completes before the account is usable. Lending applications follow Application-to-Funding (VS-420).

    • Account Onboarding
    • Open-to-Fund
    • Customer Onboarding (Deposits)
    • New Account Journey
    // FIG. 03 · Stage flow
    1Apply & Identify2Verify & Screen3Open the Account4Fund & Set Up Ser…5Activate & Welcome
    1. 01

      Apply & Identify

      VS-410.10

      Capture the application, the owners and signers, and the identity evidence for each of them.

    2. 02

      Verify & Screen

      VS-410.20

      Verify identity, find beneficial owners, screen against sanctions and watchlists, check for application fraud, and rate the customer's financial crime risk.

    3. 03

      Open the Account

      VS-410.30

      Confirm the product and its terms, record ownership and disclosures, and open the account.

    4. 04

      Fund & Set Up Services

      VS-410.40

      Take the opening deposit and set up cards, payments, statements and, for businesses, sweeps and balance reporting.

    5. 05

      Activate & Welcome

      VS-410.50

      Confirm the first use of the account and services, answer early questions and set the date for periodic review.