When it comes to notarizing important documents, many people wonder if their local bank can help. Banks often provide a variety of services beyond traditional banking, and notary services are one of those lesser-known but highly valuable offerings. Understanding whether your bank has a notary can save you time and effort, especially when you need documents notarized quickly.
Notaries play a crucial role in verifying the authenticity of signatures, helping to prevent fraud and ensuring that legal documents are properly executed. By checking if your bank offers notary services, you can streamline the process of handling legal and financial paperwork. This article explores the availability of notary services at banks and what you need to know to take advantage of them.
Understanding Bank Notarization Services
Banks commonly offer notarization services to their customers. This service involves verifying the authenticity of signatures on legal documents. Notaries act as impartial witnesses, ensuring documents are signed willingly and knowingly, reducing the risk of fraud.
Types of Documents Notarized
Banks notarize a variety of documents. Examples include:
- Affidavits
- Loan documents
- Trusts
- Deeds
- Power of Attorney forms
- Contracts
Availability of Notary Services
Notary services may be available during normal banking hours. Some banks require an appointment, while others offer walk-in services. It’s important to call ahead to confirm availability and any necessary documentation.
Fees for Notary Services
Many banks provide notary services free for their customers. Non-customers might incur a small fee. Fees can vary, so it’s recommended to inquire at your specific branch.
Benefits of Using Bank Notaries
Using bank notaries offers several benefits:
- Convenience: Access to notary services at a familiar location.
- Reliability: Banks have trained, certified notaries.
- Security: Banks maintain a professional environment for the notarization process.
- Driver’s license
- Passport
- State or government ID
Types Of Notarization Services Offered By Banks
Banks offer various notarization services to cater to different customer needs. Below are the types of notarization services commonly provided by banks.
In-Person Notarization
In-person notarization remains the most traditional method banks use. Customers visit the bank to have documents notarized by a certified notary public. This service involves verifying the signer’s identity using government-issued identification and ensuring they sign in the notary’s presence. Examples of documents often notarized in person include affidavits, trusts, and powers of attorney. Many banks offer this service for free to account holders, while non-customers may incur a nominal fee.
Remote Online Notarization
Remote online notarization (RON) is increasingly available in many banks, responding to evolving customer preferences and technological advancements. This digital method lets customers complete notarizations via a secure video call with a certified notary public. The notary verifies the signer’s identity through digital means and witnesses the e-signature in real-time. RON is convenient for those unable to visit a branch physically. Typically, this service is offered for an added fee, given the digital platform’s operational costs.
Banks aim to provide flexible notarization services to ensure customer convenience, reliability, and security. By leveraging these options, customers can complete essential document notarizations efficiently.
Availability Of Notaries At Different Banks
Notary services are available at many banks nationwide. Availability and specific offerings may differ by institution and location.
Major National Banks
Major national banks like Chase, Bank of America, and Wells Fargo often provide notary services. Chase offers notary services at many of its branches during regular banking hours. Customers should check branch availability online or by calling their local branch. Bank of America and Wells Fargo also commonly offer in-person notarization, usually requiring an appointment. They advise customers to check their respective websites for detailed information on notary services and any potential fees.
These banks typically provide these services free for account holders, though they may charge a small fee for non-customers. The notary can handle a wide range of documents, including affidavits, deeds, and power of attorney forms.
Regional And Local Banks
Regional and local banks also offer notary services, though the availability may vary more widely compared to national banks. Banks like BB&T (now Truist) and PNC provide notary services to their customers, although smaller branches might have limited availability or require appointments.
Local community banks often deliver personalized services and may offer notary services as a free benefit to their customers. However, due to their smaller scale, the availability of notary services may be more constrained, and potential fees for non-customers may vary.
Checking the bank’s website or contacting the branch directly remains the best method to confirm the specifics of notary service availability and requirements at regional and local banks.
Requirements For Using Bank Notaries
Using a bank notary involves meeting specific requirements to ensure the notarization process is conducted correctly. The main factors include proper documentation and valid identification.
Documentation
Banks require the document needing notarization to be complete, without any blank spaces that could be altered later. The person requesting the notary must bring the official document to the bank. Common documents include affidavits, loan agreements, powers of attorney, and legal contracts. Different banks may have specific requirements, so checking with the bank beforehand is advisable.
Identification
A bank notary must verify the identity of the individual requesting the notarization. Acceptable forms of identification include government-issued IDs such as passports, driver’s licenses, and state identification cards. The ID must be current and bear a photograph and signature. Some banks might also accept other forms of government-issued identification like military IDs, provided they meet the bank’s verification standards.
- Passports (U.S. or Foreign)
- Driver’s Licenses (State-issued)
- State Identification Cards (State-issued)
- Military IDs (Active, Reserve, or Retiree)
Costs And Fees For Bank Notarization Services
Many banks offer notarization services at no cost to their customers. National banks like Chase, Bank of America, and Wells Fargo often provide free notary services for account holders. Non-customers usually encounter fees ranging from $5 to $15 per document.
| Bank Name | Customer Fee | Non-Customer Fee |
|---|---|---|
| Chase | Free | $8-$10 |
| Bank of America | Free | $6-$10 |
| Wells Fargo | Free | $5-$15 |
| Regional/Local Banks | Varies | Varies |
| Credit Unions | Free or Varies | $5-$10 |
Regional and local banks may apply different fee structures. While they may provide free services to customers, they often charge non-customers a nominal fee. Credit unions generally follow a similar approach, offering free or discounted services to their members.
Remote online notarization (RON) services frequently involve additional fees. These fees cover the cost of secure video platforms and digital certificate verification. Customers of banks providing RON can expect charges between $20 and $30 per session, with non-customers potentially facing higher costs.
It’s important to verify the applicable fees by contacting the bank directly or checking their online resources. Fee structures can differ based on the bank’s policies and the local regulations governing notary services.
Alternative Notarization Options
Alternative options exist when banks don’t offer notary services or when additional convenience is desired. These options include dedicated notary services and mobile notary services.
Dedicated Notary Services
Dedicated notary service providers specialize in notarization. Companies such as Notary Public Central and 123notary offer professional notary services for individuals and businesses. They handle a range of documents including wills, real estate transfers, affidavits, and power of attorney forms. These providers have certified notaries who follow strict industry standards, ensuring documents are legally valid. Dedicated notary offices often operate longer hours than banks, providing flexibility for customers needing notarization outside typical banking hours.
Mobile Notary Services
Mobile notaries travel to a customer’s location, offering unparalleled convenience. Firms like Notarize247 and Mobile Notary Zone dispatch qualified notaries to homes, offices, or other locations. This option is ideal for those with mobility issues or busy schedules. Mobile notaries can notarize documents such as loan signings, legal forms, and business agreements. Appointments can be scheduled at times that suit the customer, often including evenings and weekends. While mobile notary services usually incur higher fees compared to bank notaries, the added convenience and personalized service are valuable benefits.
Conclusion
Banks remain a reliable and convenient option for notarization services, offering both in-person and remote options to cater to various needs. Customers can benefit from the security and professionalism provided by bank notaries, ensuring their important documents are handled correctly. While many banks offer free services to account holders, non-customers should be prepared for potential fees. For those seeking additional convenience, mobile notary services and specialized providers offer valuable alternatives. Always check with your bank for specific requirements and availability to make the notarization process as smooth as possible.
Frequently Asked Questions
Do most banks offer notary services?
Yes, many banks offer notary services for their customers. It’s common for major banks like Chase, Bank of America, and Wells Fargo to provide these services. Regional and local banks also often offer notary services, but availability may vary more widely.
Is there a fee for notary services at banks?
Many national banks offer free notary services to their account holders. Non-customers may face fees ranging from $5 to $15 per document. Remote online notarization typically incurs additional fees, ranging from $20 to $30 per session.
Do banks require appointments for notary services?
While some banks require appointments, others allow walk-ins. It’s best to check with your specific branch online or by calling ahead to confirm their policy and availability.
What types of documents can be notarized at a bank?
Banks can notarize various legal documents, including affidavits, loan documents, trusts, deeds, power of attorney forms, and contracts. Ensure the document is complete and has no blank spaces before visiting the notary.
What identification is needed for bank notary services?
Acceptable forms of identification include government-issued IDs such as passports, driver’s licenses, and state identification cards. Some banks may also accept military IDs, provided they meet the bank’s verification standards.
Are remote online notarization (RON) services available at banks?
Yes, some banks offer remote online notarization (RON), which allows you to complete notarizations via secure video calls. This service usually includes additional fees and is best for those unable to visit a branch physically.
How can I find out if my bank offers notary services?
You can check your bank’s website or contact your local branch directly to confirm notary service availability. Major banks often provide this information online, and a quick phone call can clarify any additional requirements or policies.
What alternatives are available if my bank doesn’t offer notary services?
Dedicated notary service providers and mobile notary services are alternatives. Companies like Notary Public Central and 123notary operate longer hours than banks, while mobile notaries, such as Notarize247, offer the convenience of traveling to your location, albeit typically at higher fees.
