You'll need to provide the following information when opening an individual or a joint account:

• You will need a valid Driver's License, State ID or US Passport.
• A valid U.S. address and Social Security number are required.
• You must be at least 18 years old and a U.S. citizen or a U.S. resident alien.
• You will be required to provide personal information, including your birth date.
• If you choose to fund your new account via a transfer from another deposit account at another bank, you'll need to provide the routing number and account number of that deposit account.

There is a seven-day grace period from the date of maturity to make changes once a CD has matured.  The seven-day grace period includes Saturdays, Sundays and holidays.

Debit cards are issued by banks to customers with checking accounts. Debit cards can be used at cash machines (ATMs) to withdraw money from your checking account and, like a check, they can be used to purchase items at stores and online.