eStudent Checking Account Application

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Primary Owner
Joint Owner
Account Info
Savings Info
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All required fields are marked by a red asterisk [ * ]

Joint Owner

Title

First Name *

Middle

Last Name *

Suffix

Social Security/Taxpayer ID *

Date of Birth *

Country of Citizenship *

Primary Phone Number *

Phone Type *

Email Address *

Is the address different than the primary owner's? *

Yes

Address Information

Permanent Address *

Address Line 2

City *

State *

Zip Code *

Country

Does the joint owner have an active account or loan with 1st Source?

Yes

Identification Information

USA Patriot Act Information

Primary Identification *

ID Number *

State of ID Issuance *

Enter the State the ID was issued.

Country of ID Issuance *

Date of Issuance *

Expiration Date *

All required fields are marked by a red asterisk [ * ]

Confirm Application & Disclosures

Primary Owner

Name:

Date of Birth:

Social Security / Taxpayer ID:

Primary Phone Number:

Email Address:

Address:

Joint Owner

Name:

Date of Birth:

Social Security / Taxpayer ID:

Primary Phone Number:

Email Address:

Account Information:

Account Type:

Order Debit Card or ATM Card:

Debit & ATM Card Overdraft Choice:

Will you be making cash deposits greater than $3,000?

Will you be making cash withdrawals greater than $3,000?

Will you be wiring funds to or from this account?

Will you be depositing checks greater than $5,000?

Do you have accounts at other financial institutions?

Are either of the account holders business owners?

Does either account holders conduct business outside the U.S.?

Initial Deposit Type & Amount:

Are you working with a particular 1st Source banker or banking center?

Savings Account Information:

Account Type:

Will you be making cash deposits greater than $3,000?

Will you be making cash withdrawals greater than $3,000?

Will you be wiring funds to or from this account?

Will you be depositing checks greater than $5,000?

Do you have accounts at other financial institutions?

Are either of the account holders business owners?

Does either account holders conduct business outside the U.S.?

Initial Deposit Type & Amount:

Agreement to Receive Electronic Communications *
1.	Please print a copy of this Agreement for your records. This Agreement contains important information. You should read it carefully and keep a copy for your records. CLICK HERE TO PRINT Your Legal Rights As part of your relationship with us, we want to ensure you have all of the information you need to effectively manage your accounts. Our goal is to provide you with as many options as possible for receiving your account documents. We are required by law to give you certain information “in writing” – which means you are entitled to receive a paper copy. However, with your prior consent, we may instead provide this information to you electronically. We also need your general consent to use electronic records and signatures throughout our relationship with you. Before you use any of our Electronic Services, you must review and consent to the terms outlined below. Scope of Electronic Communications Your consent to receive electronic communications includes, but is not limited to: Disclosures, agreements, notices and other information related to the opening of an account, product, or service including, but not limited to, account agreements, fee schedules or other disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations Periodic statements or monthly billing statements for your banking products Notices or disclosures about a change in terms of your banking products Our Privacy Policy and other privacy statements or notices (by posting such notices on our website) Disclosures can also be accessed online anytime at https://www.1stsource.com/disclosures/ Hardware and Software Requirements In order to access, view and retain communications that we make available electronically, you must have: A personal computer or other device that is capable of accessing the Internet. Your access to this page verifies that the system/device you are currently using meets these requirements. An Internet browser that supports 128-bit SSL encryption, such as Internet Explorer (8.0 or newer), Edge, Firefox, Safari or Google Chrome. Your access to this page verifies that the browser and encryption software/device you are currently using meets these requirements. An e-mail account with an Internet service provider and e-mail software capable of sending and receiving email. You must have software that permits you to receive and access Portable Document Format (PDF) files. If you do not have such software, it can be downloaded at http://get.adobe.com/reader/ A printer capable of printing copies of information for your records or sufficient storage capacity on your computer's hard drive or other storage unit, such as a flash drive, to save copies of information for your records. Changes to Hardware or Software Requirements If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain your electronic records, we will give you notice of the revised hardware or software requirements. Continuing to use electronic services after receiving notice of the change is reaffirmation of your consent. How to Update Your Contact Information It is your responsibility to keep your primary e-mail address updated so that the Bank can communicate with your electronically. If the email is returned as undeliverable, we reserve the right to use postal addresses. In the event that your email address or other contact information is changed, you must notify us of such changes immediately by contacting your local banking center or the Customer Service Center at (574) 235-2000 or (800) 513-2360. If you fail to notify us of any change in your e-mail address, you agree that we may provide Electronic Communications to you at the e-mail address maintained in our records and provided by you. Any Electronic Communications we send to you will be deemed to have been provided on the date we deliver the e-mail to you advising you of their availability. How to Withdraw Your Consent; Consequences of Withdrawing Consent You have the right to withdraw consent at any time. However, please be aware that withdrawal of consent may result in the termination of your access to electronic services including online banking. Your withdrawal of consent will become effective after we have had a reasonable opportunity to act on it. If you are receiving e-statements, your withdrawal of consent will cause paper statements to be mailed to you, which may incur a paper statement fee. To withdraw your consent, contact your local banking center or the Customer Service Center at (574) 235-2000 or (800) 513-2360. Requesting a Paper Copy If you would like to receive a paper copy of any information or disclosures that you agreed to receive electronically, please contact your local banking center or the Customer Service Center at (574) 235- 2000 or (800) 513-2360. We may charge a fee for the production and delivery of documents in paper form. Please refer to your Account Agreement and the Fee Schedule for Personal Accounts for additional information. Termination We reserve the right to terminate providing electronic disclosures, notices, and/or communications to you or to change the terms and conditions applicable to our provision of electronic disclosures, notices, and/or communications at any time. We will provide you with notice of any such termination or change in terms and conditions as required by law. Consent and Acknowledgement By checking the box below, you acknowledge receipt of this Agreement to Receive Electronic Communications and consent to the delivery of electronic communications. You confirm that you have the ability to access, view and retain documents through electronic means and further consent to the electronic delivery of the disclosures, notices, terms and conditions. 09-23-2020 ver. 4.1
2. I have reviewed the Agreement to Receive Electronic Communications and provide my affirmative consent to receive communications in an electronic format. No, I do not consent to receive disclosures, notices, terms and conditions related to this application electronically.
3.Before accepting, CLICK HERE to verify your ability to view content in a PDF format. * Access Confirmation Code *

Agreement to Receive Electronic Communications *

Please print a copy of this Agreement for your records. This Agreement contains important information. You should read it carefully and keep a copy for your records. CLICK HERE TO PRINT

Your Legal Rights

As part of your relationship with us, we want to ensure you have all of the information you need to effectively manage your accounts. Our goal is to provide you with as many options as possible for receiving your account documents. We are required by law to give you certain information “in writing” – which means you are entitled to receive a paper copy. However, with your prior consent, we may instead provide this information to you electronically. We also need your general consent to use electronic records and signatures throughout our relationship with you. Before you use any of our Electronic Services, you must review and consent to the terms outlined below.

Scope of Electronic Communications

Your consent to receive electronic communications includes, but is not limited to:

Disclosures, agreements, notices and other information related to the opening of an account, product, or service including, but not limited to, account agreements, fee schedules or other disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations
Periodic statements or monthly billing statements for your banking products
Notices or disclosures about a change in terms of your banking products
Our Privacy Policy and other privacy statements or notices (by posting such notices on our website)

Disclosures can also be accessed online anytime at https://www.1stsource.com/disclosures/

Hardware and Software Requirements

In order to access, view and retain communications that we make available electronically, you must have:

A personal computer or other device that is capable of accessing the Internet. Your access to this page verifies that the system/device you are currently using meets these requirements.
An Internet browser that supports 128-bit SSL encryption, such as Internet Explorer (8.0 or newer), Edge, Firefox, Safari or Google Chrome. Your access to this page verifies that the browser and encryption software/device you are currently using meets these requirements.
An e-mail account with an Internet service provider and e-mail software capable of sending and receiving email.
You must have software that permits you to receive and access Portable Document Format (PDF) files. If you do not have such software, it can be downloaded at http://get.adobe.com/reader/
A printer capable of printing copies of information for your records or sufficient storage capacity on your computer's hard drive or other storage unit, such as a flash drive, to save copies of information for your records.

Changes to Hardware or Software Requirements

If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain your electronic records, we will give you notice of the revised hardware or software requirements. Continuing to use electronic services after receiving notice of the change is reaffirmation of your consent.

How to Update Your Contact Information

It is your responsibility to keep your primary e-mail address updated so that the Bank can communicate with your electronically. If the email is returned as undeliverable, we reserve the right to use postal addresses. In the event that your email address or other contact information is changed, you must notify us of such changes immediately by contacting your local banking center or the Customer Service Center at (574) 235-2000 or (800) 513-2360. If you fail to notify us of any change in your e-mail address, you agree that we may provide Electronic Communications to you at the e-mail address maintained in our records and provided by you. Any Electronic Communications we send to you will be deemed to have been provided on the date we deliver the e-mail to you advising you of their availability.

How to Withdraw Your Consent; Consequences of Withdrawing Consent

You have the right to withdraw consent at any time. However, please be aware that withdrawal of consent may result in the termination of your access to electronic services including online banking. Your withdrawal of consent will become effective after we have had a reasonable opportunity to act on it. If you are receiving e-statements, your withdrawal of consent will cause paper statements to be mailed to you, which may incur a paper statement fee.

To withdraw your consent, contact your local banking center or the Customer Service Center at (574) 235-2000 or (800) 513-2360.

Requesting a Paper Copy

If you would like to receive a paper copy of any information or disclosures that you agreed to receive electronically, please contact your local banking center or the Customer Service Center at (574) 235- 2000 or (800) 513-2360. We may charge a fee for the production and delivery of documents in paper form. Please refer to your Account Agreement and the Fee Schedule for Personal Accounts for additional information.

Termination

We reserve the right to terminate providing electronic disclosures, notices, and/or communications to you or to change the terms and conditions applicable to our provision of electronic disclosures, notices, and/or communications at any time. We will provide you with notice of any such termination or change in terms and conditions as required by law.

Consent and Acknowledgement

By checking the box below, you acknowledge receipt of this Agreement to Receive Electronic Communications and consent to the delivery of electronic communications. You confirm that you have the ability to access, view and retain documents through electronic means and further consent to the electronic delivery of the disclosures, notices, terms and conditions.

09-23-2020 ver. 4.1

I have reviewed the Agreement to Receive Electronic Communications and provide my affirmative consent to receive communications in an electronic format.

No, I do not consent to receive disclosures, notices, terms and conditions related to this application electronically.

Final Disclosures

Important: By signing this application, I, the primary Account Holder, as required by Federal Law, certify under penalties of perjury that the number shown above as my Taxpayer Identification Number (TIN) is correct, that I am a U. S. person (including a U.S. resident alien) and that (check box if appropriate):*

I am SUBJECT to backup withholdings

I am NOT SUBJECT to backup withholding due to one of the following reasons:

I am an exempt recipient under the Internal Revenue Service Regulations
I have not been notified that I am subject to backup withholding as a result of a failure to report all interest or dividends
I have been notified by the IRS that I am no longer subject to backup withholding.

When submitting your application, you give 1st Source Bank permission to verify your credit history and all the information on your application. Once you have submitted your application online, you will be contacted within one business day by a 1st Source Bank representative.

2.Disclosures *

I AGREE to the disclosures listed above, the testament, and affirm that I am at least 13 years of age. *

1st Source Bank only accepts applications from clients in markets served by a 1st Source Banking Center. Before submitting your application, please read the disclosures listed below. We encourage you to print a copy of this information for your records. To continue with your application, you must click the "I agree" check box indicating you agree with the Account Terms & Conditions and you are at least 13 years old for savings, CDs, checking accounts, debit cards and 18 years old for loans. When submitting your application, you give 1st Source Bank permission to verify your credit history and all the information on your application. Once you have submitted your application online, you will be contacted within one business day by a 1st Source Bank representative.

Agreement for Deposit Accounts (pdf)
Fee Schedule for Personal Accounts (pdf)
USA Patriot Act
Privacy Policy Notice (pdf)

To retain a copy of this application and it's disclosures for your records, click here to PRINT.

Need Help?

574-235-4440 or 888-236-0779
(Mon-Fri 8-5 PM ET)

FAQ

Will 1st Source check my credit when I apply for an account?

No. To process an account application, we use CheckSystems Inc., a consumer-reporting agency, to determine your eligibility. This will have no effect on your credit report or score.

How quickly will I know if my account has been approved?

We will strive to provide you with a response within a few business hours from your request. In many cases, our clients will apply online and sign their pre-printed documents in one of our conveniently located banking centers the same day.

What happens if I am unable to read PDF documents?

We are sorry but our online applications require your ability to read our disclosures in the format that we present them. We choose to use PDF due to its universal use. You will not be able to proceed until you are able to demonstrate your ability to read our disclosures electronically.

FAQ

What do I need to apply online?

Accounts cannot be opened online for anyone under the age of 13. At least one applicant must be of legal age in the state in which the account is being opened. You'll need your Social Security number and a valid driver's license or military ID to continue. That's it!

Will 1st Source check my credit when I apply for an account?

No. To process an account application, we use CheckSystems Inc., a consumer-reporting agency, to determine your eligibility. This will have no effect on your credit report or score.

How quickly will I know if my account has been approved?

What does 'Relationship Banking' mean?

At 1st Source Bank, our clients appreciate the value of relationships. That's why we do things a little differently than most other banks. For instance, we only process applications for deposit accounts from current clients or individuals who are connected to markets served by a 1st Source Banking Center. So, even if you like to do your transactions electronically, you can be assured that you're never far away from a real person when you need one.

Does it matter if I'm a 1st Source client?

Our application process is quick and convenient for anyone to use. However, current 1st Source clients' applications can be opened entirely online. This is because we already know you and your financial history.

What if I don't have a Social Security or Taxpayer ID?

There may be several instances that you may need to open an account for someone other than yourself, such as:

Trust Account
Beneficiary (Guardianship SS Rep Payee Accts)
Estate Account
Minor (under 16 years old)
Payable on Death
Business / Non-Profit

1st Source is able to service many types of account ownerships which can be completed in one of our conveniently located Banking Centers. Click here to find the nearest Banking Center to you.

What if I am not a US Citizen?

You may apply online provided that you have one of the following valid forms of identification:

Current Passport
US State issued driver's license
State issued ID (issued over 30 days ago)
Matricular Consular

If you have yet received a US Taxpayer ID, please enter '999-99-9999' in the Social Security / Taxpayer ID field. Should you have any further questions, issues or concerns, please contact a representative at 888-236-0779.

FAQ

Do I have to select the Cubs Debit Card?

No, you do not have to select one of the Cubs Debit Cards. You can select our Resource Plus (Debit) Card to receive our standard Debit Card.

Do I have to have checks with this account?

No, you do not have to have checks with this account. You can select No Checks. Please note that your first 50 Cubs checks are free if selected.

Do I need to have the Cubs 1st Club Checking account to have a Cubs Savings account?

Yes, you will first need to have the Cubs 1st Club Checking account. You can apply for the Cubs Savings account within this same application down towards the bottom of this page.

Can I get the Stu Bear without the Cubs Savings account?

No. To receive the Stu Bear gift, you will need to fulfill the $500 opening deposit amount in the Cubs Savings account.

What is an overdraft?

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

We have standard overdraft practices that come with your account.
We also offer overdraft protection plans which may be less expensive than our standard overdraft practices. These include Overdraft Transfer Service, which automatically transfers from your savings account to your checking account, and the Carefree Line of Credit, which covers your overdraft with a line of credit and is subject to credit approval. To learn more about these products and others, contact any local 1st Source banking center.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

After your account is established and is in good standing, 1st Source may authorize and pay overdrafts for the following types of transactions:

Checks and other transactions made using your checking account number
Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

Everyday debit card transactions
ATM card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if 1st Source Bank pays my overdraft?

Under our standard overdraft practices:

We will charge you a fee of $36 each time we pay an overdraft. Please note that if we return a check unpaid you will still be charged a $36 fee.
Also, if your account is overdrawn for 6 or more consecutive business days, we will charge an additional $7 per day.
There is no limit on the total fees we can charge you for overdrawing your account.

FAQ

What is an overdraft?

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

We have standard overdraft practices that come with your account.
We also offer overdraft protection plans which may be less expensive than our standard overdraft practices. These include Overdraft Transfer Service, which automatically transfers from your savings account to your checking account, and the Carefree Line of Credit, which covers your overdraft with a line of credit and is subject to credit approval. To learn more about these products and others, contact any local 1st Source banking center.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

After your account is established and is in good standing, 1st Source may authorize and pay overdrafts for the following types of transactions:

Checks and other transactions made using your checking account number
Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

Everyday debit card transactions
ATM card transactions

What fees will I be charged if 1st Source Bank pays my overdraft?

Under our standard overdraft practices:

We will charge you a fee of $36 each time we pay an overdraft. Please note that if we return a check unpaid you will still be charged a $36 fee.
Also, if your account is overdrawn for 6 or more consecutive business days, we will charge an additional $7 per day.
There is no limit on the total fees we can charge you for overdrawing your account.

How can I provide my choice to 1st Source regarding authorizing and paying overdrafts on my individual, everyday debit and ATM card transactions?

During Application: Select "Yes" in the "Debit & ATM Card Overdraft Choice" section.

Can I change my choice to 1st Source in the future regarding authorizing and paying overdrafts on my individual, everyday debit and ATM card transactions?

Yes, you can communicate your desire to change your selection at a later via one of the following ways:

Visit us: Any banking centers
Call us: 1-800-513-2360
Mail us: Overdraft Choice Form (PDF)

  1st Source Bank
  ATT: Deposit Services
  P.O. Box 1602
  South Bend, IN 46634

Do I have to order my checks now?

No, you are under no obligation to purchase your checks at this time. Our "Order Check Book" options is simply there for your convenience. If you prefer, you may order your personalized checks after the account is opened through our partner vendor (Deluxe) or a check printer of your choosing.

Do I have to order my checks through 1st Source?

No, you are not required to purchase your checks through 1st Source. If you prefer, you may order your personalized checks after the account is opened through our partner vendor (Deluxe) or at a check printer of your choosing.

What is the difference between "Duplicates" and "Singles" Checks?

A duplicate check comes with a carbon copy underneath the original check. A copy is therefore available for record keeping purposes which may assist at a later time in balancing the check book.

A single check is one of the wide varieties of checks that come in single pages, typically without any duplicate. A transaction made using this check therefore cannot be completed in cases where the check is torn or has been misplaced.

Apply for a Checking in minutes

What you'll need to apply online: Social Security number Date of birth and address Driver's license or government-issued ID