Opening Minor Accounts: Ownership, CIP & Access

Date:

Jun 3, 2026

Register

Protect young accountholders, avoid CIP missteps, and keep minor accounts compliant from the first deposit to the day they become adults.

This concise program will explain what financial institutions can and cannot do when serving under‑age accountholders. It will review ownership options for children and grandchildren, including custodial, joint, and minor accounts, and address CIP and documentation expectations. Attendees will learn practical dos and do nots for account setup, check handling, and granting and monitoring access.

Agenda

June 3, 2026
11:00 am - 12:30 pm EST

This program will help you confidently manage minor accounts by clarifying what you can and cannot do for under-age accountholders. Learn how to set up accounts for children and grandchildren, review available ownership options, and understand how to transition minors into adult accounts. We cover essential dos and don’ts for account setup, check handling, and granting access. Join us for this concise, information-packed A-to-Z session on managing minor accounts.

Topics

KEY WEBINAR TAKEAWAYS:

  • Types of legal ownership for minors: UTMA, CESA, multiple party accounts, minors alone (in some states)
  • Issues with debit cards on checking, UTMA, Social Security, and guardianship accounts
  • Minors’ access to information on UTMA, Social Security, or guardianship accounts
  • Can a minor negotiate checks made payable to themself?
  • Old stylings like “minor by” that can give big headaches
  • Can you require two signatures on minor accounts? Can you let a minor sign a contract?
  • What happens when the minor or the adult on an account passes away?
  • Can a minor take over the account at a certain age?
  • Hotspots and troubling issues when you open accounts for minors

This webinar is part of the Account Opening Series

Speaker(s)

Deborah L. Crawford
Gettechnical Inc.

Deborah Crawford is the President of Gettechnical Inc., a Florida-based firm specializing in the education of financial institutions across the nation. Her 30+ years of experience began at Hibernia National Bank in New Orleans. She graduated from Louisiana State University with both her bachelor’s and master’s degrees. Debbie specializes in the education of financial institution employees and officers in the areas of deposit account laws, new account documentation, insurance, complex compliance regulations, and IRAs.

Additional Information

WHO SHOULD ATTEND?

  • Call center representatives
  • Branch managers
  • Tellers
  • Branch operations
  • Training
Fees

Live Webinar - $279

  • Unlimited connections for your institution
  • Available on desktop, mobile & tablet
  • Take-away toolkit
  • Presenter’s contact info for questions

On-Demand Webinar - $279

  • Unlimited & shareable access starting two business days after live stream
  • Available on desktop, mobile & tablet devices 24/7
  • Take-away toolkit
  • Ability to download webinar video
  • Presenter's contact info for questions

Live + On-Demand - $379

Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.

**100% surcharge applied to non-members.

Association Contact
Susan Clark   Silvia Regalado
Professional Development Coordinator   Professional Development Coordinator
o: 317-387-9380   o: 317-387-9380
d: 317-333-7169   d: 317-333-7170
sclark@indiana.bank   sregalado@indiana.bank