Expected to Work/Barriers to Full Employment Policy & Procedures

Published Date: October 26, 2016
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19 Administrative Procedures

Payment Methods and Processes

Opening Bank Accounts With No or Limited Identification

INTENT

Enable active Income Support clients with no or limited identification to open a bank account.

POLICY

The direct deposit method of payment is mandatory for Income Support (IS) clients, unless specifically exempted.  Some clients are unable to open a bank account because of a lack of ID.

Community and Social Services Financial Client Payments & Revenue has worked with the following financial institutions to develop a process for clients with limited or no identification to open a bank account using EMP 2068 Signature Verification form as the sole piece of identification for the purpose of establishing a bank account:

  • Canadian Imperial Bank of Commerce (CIBC),
  • First Calgary Financial , and
  • Chinook Financial.

These banks rely on Community and Social Services’ internal processes to establish the client’s identity for the purposes of determining eligibility for Income Support and establishing a bank account. The EMP 2068 Signature Verification Form is a negotiable document. Instructions for using this form are available in the Indemnity Agreement 

This process is open to all clients, including new, reopen, and active files. Staff can review the monthly report of clients who do not have a bank account and can use this process to help clients obtain a bank account.
The completed signature verification form with appropriate signatures and two witnesses will be considered as the sole piece of identification. 

CIBC PROCEDURES

CIBC accounts can be opened at any branch in Alberta. A Listing of CIBC branches and their fax numbers is posted at www.cibc.com.  To search for the address and fax number for the branch closest to the client click on the "more search options" located on the right side.  Then type in the client's address and click "search" and you can bring up the branch address closest to the client.

If the client requires assistance to open a bank account, the worker:

  1. Signs out the EMP 2068 Signature Verification form, completes the EMP 0008 Signature Verification Log with all required details including the form number, the name of the client, file number, date of request, and identify on the log if the form will be used to open a bank account in the type field. The worker initials the log to verify removal of the form.
  2. Completes the EMP 2068 Signature Verification form with all the required details. The form is completed with appropriate signatures and witnesses (the client and two staff). Check the box on the right hand corner saying “open a bank account”.
  3. Encourages the client to discuss the rules of garnishment and service charges with the bank.
  4. Immediately faxes the EMP 2068 Signature Verification form with a HS fax cover sheet to the appropriate bank, ensuring the worker's name and phone number are clearly legible, and places the original form on the client’s file in section one.
  5. Provides the client with an EMP 2443 Direct Deposit Registration form.
  6. Advises the client that they need to inform the bank officials that a signature verification form was faxed over to help with opening their bank account.
  7. Requests the client return the completed EMP 2443 Direct Deposit Registration form to their worker before the next benefit period.
  8. Enters comments and a task in Mobius that they are waiting for the EMP 2443 Direct Deposit Registration form to be returned.
  9. Workers will follow-up with any clients who do not return the form.

FIRST CALGARY FINANCIAL AND CHINOOK FINANCIAL PROCEDURES

First Calgary Financial, accounts may be opened at any branch in Calgary and Okotoks. First Calgary Financial bank branches and fax numbers are posted at www.firstcalgary.com. To search for the address and fax number for the branch closest to the client click on the “View All Branches” hyperlink located on the right side.  A listing of the Calgary and Okotoks branches will be displayed.

Chinook Financial accounts may be opened at any of the 11 branch locations in Southern Alberta.  Chinook Financial branches and fax numbers are posted at www.chinookfinancial.com. To search for the address and fax number for the branch closest to the client click on the “Find Branch/ATM” option located at the top of the site. A listing of the branches will be displayed.

If the client requires assistance to open a bank account, the worker: 

  1. Signs out the EMP 2068 Signature Verification form, completes the EMP 0008 Signature Verification Log with all required details including the form number, the name of the client, file number, date of request, and identify on the log if the form will be used to open a bank account in the type field. The worker initials the log to verify removal of the form. 
  2. Completes the EMP 2068 Signature Verification form with all the required details. The form is completed with appropriate signatures and witnesses (the client and two staff). Check the box on the right hand corner saying “open a bank account”. 
  3. Encourages the client to discuss the rules of garnishment and service charges with the bank. 
  4. Immediately faxes the EMP 2068 Signature Verification form with a HS fax cover sheet to the appropriate bank, ensuring the worker's name and phone number are clearly legible, and places the original form on the client’s file in section one. 
  5. Provides the client with an EMP 2443 Direct Deposit Registration form. 
  6. Advises the client that they need to inform the bank officials that a signature verification form was faxed over to help with opening their bank account. The branch will retain the EMP 2068 Signature Verification form until the applicant comes in.
  7. Requests the client return the completed EMP 2443 Direct Deposit Registration form to their worker before the next benefit period. 
  8. Enters comments and a task in Mobius that they are waiting for the EMP 2443 Direct Deposit Registration form to be returned. 
  9. Workers will follow-up with any clients who do not return the form.

Any concerns or questions for Calgary First Financial and Chinook Financial can be directed to Banking Support at 403-736-4357 or by emailing helpdesk@connectfirstcu.com.