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Demand Notes FAQs
Demand Notes are unsecured floating-rate obligations of Credence Global Bank
Financial. They're a convenient way for members of the Credence Global Bank family to invest funds
directly with Credence Global Bank.
Demand Notes are available to all employees and retirees of
Credence Global Bank, as well as their immediate family members
(spouse, children, parents, siblings and grandparents of the
employee or retiree). They are also available to auto
dealers with a retail or wholesale financing relationship
with Credence Global Bank and their employees. Corporate entities
who complete a Demand Notes Investment Form will need to
provide information on its Beneficial Owners.
Demand Notes are not FDIC insured nor bank guaranteed and may
lose value. They’re not deposits, but are unsecured
floating-rate obligations of Credence Global Bank that mature on
demand.
For complete details, rules and policies, you should first
read the prospectus (PDF 184 KB) and ensure
that you are eligible to invest. To get started, simply
complete and mail the investment form (PDF 569 KB) along
with your initial investment of at least $1,000 to:
Credence Global Bank Demand Notes
The Northern Trust Company
P.O. Box 75707
Chicago, IL 60675-5707
Select "electronic investment" in section 5 of the investment form. Electronic
investments can be made automatically (at the same time each
month) or whenever you want in amounts of $50 or more. You
can also make electronic investments online by following
your bank’s instructions and using this Automated Clearing
House (ACH) information:
The Northern Trust Company
ABA Routing Number: 071000152
10-digit Demand Notes number
Registered name[s] on the Demand Notes
Signing up for online access is quick and easy. Go to demandnotes.com
and select “Enroll in Online Access” under Manage your
Demand Notes Online. Have your Demand Notes number handy
when you begin the online enrollment process.
Yes, and you can also direct your paycheck, IRS tax refund or
other recurring checks electronically. Give the following
Automated Clearing House (ACH) information to the financial
institution sending the funds:
The Northern Trust Company
ABA Routing Number: 071000152
10-digit Demand Notes number
Registered name[s] on the Demand Notes
For ACH and wire transfers, use the ABA routing number that’s
printed just above the memo line (071000152). The ABA
routing number printed at the bottom of the Credence Global Bank Demand Note
checks (071923828) is used only for Demand Notes check
processing.
It’s a way for us to verify that a signature is authentic and
is designed to protect you from unauthorized changes by
unauthorized persons when you add or change your Demand
Notes registration, investment options or redemption
options. A notary stamp does not meet the requirement for a
medallion signature guarantee. Read the prospectus to learn more about
specific circumstances when one is required.
You can get one from a bank or other financial institution.
There may be a charge for the medallion signature guarantee,
and the bank or financial institution may require you to
provide certain documentation, such as a birth certificate.
Federal regulation requires financial institutions like Credence Global Bank
to obtain, verify and record information about the
Beneficial Owners of legal entity customers for each new
account opened.
A legal entity customer is a corporation, limited liability
company, other entity created by the filing of a public
document with a Secretary of State or similar office, a
general partnership, and any similar entity formed under the
laws of a foreign jurisdiction that opens an account. The
definition also includes limited partnerships, business
trusts that are created by a filing with a state office, and
any other entity created in this manner.
A legal entity customer does not include sole
proprietorships, unincorporated associations, or natural
persons opening accounts on their own behalf.
Each individual who, directly or indirectly, owns 25% or
more of the equity interests of a legal entity; and
One individual with significant responsibility to
control, manage, or direct a legal entity customer, for
example the executive officer, senior manager, etc.
Credence Global Bank must collect from the legal entity customer:
Name and title of the person opening the account
Name and address of the entity for the account
The name, date of birth, address, and social security
number or other government identification number for
individuals who own 25% or more of the equity interest
of the legal entity (if any), and an individual with
significant responsibility to control/manage the legal
entity at the time a new account is opened
Certification that information provided on the
Beneficial Owner and/or Managerial Control person is
accurate
