The Operating Agreement for Bank Account serves as the foundational document governing the relationship between financial institutions and account holders in the United States. This agreement is essential when establishing new banking relationships, particularly for business accounts or accounts with multiple authorized users. It encompasses crucial elements such as account access, transaction authorities, security protocols, and compliance with federal and state banking regulations. The document is designed to protect both the financial institution and account holders while ensuring clear operational guidelines and regulatory compliance.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Your data doesn't train Genie's AI
You keep IP ownership of your docs
1. Parties: Identifies the account holders and the financial institution
2. Background: Explains the purpose of the operating agreement and relationship between parties
3. Definitions: Defines key terms used throughout the agreement
4. Account Operation: Details how the account will be operated, including authorized signatories
5. Rights and Responsibilities: Outlines obligations and rights of all parties
6. Security Measures: Specifies security protocols and authentication requirements
7. Fees and Charges: Details all applicable fees and charges
8. Term and Termination: Specifies duration and termination conditions
1. Digital Banking Services: Details online and mobile banking services when digital banking services are included
2. International Transfers: Provisions for international wire transfers when international banking services are required
3. Multiple Account Holders: Special provisions for joint accounts when account has multiple holders
4. Business Account Provisions: Special terms for business accounts when account is for business use
1. Schedule of Fees: Detailed breakdown of all applicable fees and charges
2. Authorized Signatories List: List of individuals authorized to operate the account
3. Service Level Agreement: Details of service standards and response times
4. Security Procedures: Detailed security protocols and verification procedures
Find the exact document you need
Deposit Account Control Agreement Fees
A U.S. legal document establishing the fee structure for deposit account control services under UCC and federal banking regulations.
Download
Ach Debit Agreement
A U.S. legal agreement authorizing automated clearing house (ACH) debit entries from one party's bank account to another.
Download
Bookkeeping Contract
A U.S.-compliant legal agreement establishing terms and conditions for professional bookkeeping services.
Download
LLC Operating Agreement Bank Account
A U.S.-based agreement governing the establishment and management of bank accounts for an LLC, including signatory rights and banking procedures.
Download
Personal Deposit Account Agreement
A U.S.-governed agreement establishing terms and conditions between a financial institution and customer for maintaining a deposit account.
Download
Zero Balance Account Agreement
A U.S.-governed agreement establishing the terms and conditions for automated cash concentration between master and sub-accounts in a zero balance account structure.
Download
Sweep Account Agreement
A U.S.-governed agreement establishing terms for automatic transfers between accounts to optimize interest earnings or maintain target balances.
Download
Joint Account Contract
A U.S.-governed agreement establishing terms and conditions for a shared bank account between multiple account holders.
Download
Credit Union Member Agreement
A U.S.-governed agreement establishing the relationship between a credit union and its members, outlining membership terms and account operations.
Download
Authorization Agreement For Direct Payments
A U.S.-compliant legal agreement authorizing automated recurring payments between parties through the ACH network.
Download
Authorization Agreement For Direct Deposit Ach Credits
A U.S. legal document authorizing recurring electronic fund transfers through the ACH network between specified bank accounts.
Download
Ach Vendor Payment Authorization Agreement
A US-compliant agreement authorizing electronic payments to vendors through the ACH network.
Download
Fine Print Checking Account Agreement
A U.S.-governed agreement establishing terms and conditions between a financial institution and account holder for checking account services.
Download
Fbo Account Agreement
A U.S.-compliant agreement establishing the terms and conditions for managing funds held by a financial institution on behalf of third-party beneficiaries.
Download
Bookkeeping Agreement
A U.S. contract establishing terms for professional bookkeeping services between a service provider and client.
Download
Checking Account Agreement
A U.S.-governed agreement establishing the terms and conditions between a financial institution and customer for maintaining a checking account.
Download
Debit Authorization Agreement
A U.S.-governed agreement authorizing automatic withdrawals from a bank account, subject to federal banking regulations.
Download
Loan Account Agreement
A U.S.-governed agreement establishing the terms and conditions of a loan between a lender and borrower, compliant with federal and state lending regulations.
Download
Joint Holder Agreement
A U.S.-governed agreement establishing rights and responsibilities between multiple parties who jointly own assets or property.
Download
Account Purchase Agreement
A U.S.-governed agreement for the sale and transfer of accounts receivable or other financial assets between parties, subject to federal and state regulations.
Download
Ach Authorization Agreement
A U.S.-compliant legal agreement authorizing electronic fund transfers through the ACH network between specified bank accounts.
Download
Bank Deposit Agreement
A U.S.-governed agreement establishing terms and conditions between a financial institution and account holder for deposit account services.
Download
Bank Account Contract
A U.S.-governed agreement establishing the terms and conditions between a financial institution and account holder(s) for banking services.
Download
Pre Authorized Payment Agreement
A U.S.-compliant agreement establishing automatic recurring payment arrangements between parties under federal banking regulations.
Download
Operating Agreement For Bank Account
A U.S.-compliant legal agreement establishing the terms and conditions for operating a bank account between a financial institution and account holder(s).
Download
Bank Account Control Agreement
A US-governed three-party agreement establishing control over deposit accounts for security interest perfection under the UCC.
Download
Rental Agreement For Bank Account Opening
A U.S.-compliant agreement verifying rental status for bank account opening purposes.
Download
Master Account Agreement
A U.S.-governed agreement establishing the core relationship between a financial institution and its account holder, covering all banking services and accounts.
Download
Bookkeeping Contracts
A U.S.-governed agreement establishing terms and conditions for professional bookkeeping services between a service provider and client.
Download
Collateral Account Control Agreement
A U.S.-law governed agreement establishing control rights over an account as collateral for a secured obligation.
Download
Client Account Agreement
A U.S.-governed agreement establishing the terms and conditions between a financial institution and its client for account services and operations.
Download
Checking Agreement
A U.S.-governed contract between a financial institution and account holder establishing terms and conditions for operating a checking account.
Download
Business Account Agreement
A U.S.-governed agreement between a financial institution and a business entity establishing terms for business banking services.
Download
Accounts Receivable Agreement
A U.S. legal agreement governing the transfer of accounts receivable between parties, subject to UCC and federal/state commercial laws.
Download
Letter Of Authorization To Debit Account
A U.S. legal document authorizing automatic withdrawals from a bank account, governed by federal and state banking regulations.
Download
Cash Account Management Agreement
A U.S.-governed agreement establishing terms and conditions for managing cash accounts between financial institutions and account holders.
Download
Account Control Agreement
A U.S.-governed tri-party agreement establishing control rights over a deposit or securities account as collateral under the UCC.
Download
Time Deposit Agreement
A U.S.-governed agreement between a financial institution and depositor establishing terms for a fixed-term deposit account.
Download
Notice Of Assignment Of Accounts Receivable
A U.S. legal document notifying debtors that receivables have been transferred to a new party, governed by UCC Article 9.
Download
Authorization Agreement For Direct Deposits
A US-compliant agreement authorizing automated electronic funds transfers into a designated bank account.
Download
ұԾ’s Security Promise
Genie is the safest place to draft. Here’s how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; ұԾ’s AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it
.png)