CIF or Account Titles BOM - C375

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C-375 - CIF/Account Titles
PURPOSE.....................................................................................................................................................3
PROCEDURES.............................................................................................................................................3
ACCOUNT DESCRIPTIONS ........................................................................................................................3
COMMERCIAL ACCOUNTS.....................................................................................................................3
CHURCHES...............................................................................................................................................3
INDIVIDUAL/JOINT ACCOUNTS .............................................................................................................4
ORGANIZATION ACCOUNTS..................................................................................................................4
CAMPAIGN ACCOUNTS..........................................................................................................................5
CAMPAIGN ACCOUNT WITH BUSINESS TIN........................................................................................5
GIRL SCOUTS TROOP USING TAX IDENTIFICATION NUMBER (TIN) OF GIRL SCOUTS COUNCIL
...................................................................................................................................................................6
BOY SCOUTS ...........................................................................................................................................6
BOY SCOUTS TROOP USING SPONSORING ORGANIZATION’S TAX IDENTIFICATION NUMBER
(TIN)...........................................................................................................................................................6
BOY SCOUTS TROOP USING TAX IDENTIFICATION NUMBER (TIN) OBTAINED BY THE TROOP 7
AGENCY ACCOUNTS .................................................................................................................................7
ESCROW ACCOUNTS .............................................................................................................................7
PERSONAL AGENCY ACCOUNTS (AVAILABLE IN NORTH CAROLINA) ..........................................7
AGENT/POWER OF ATTORNEY ACCOUNTS .......................................................................................7
AGENT ON DEBTOR IN POSSESSION ACCOUNTS.............................................................................8
ATTORNEY ACCOUNTS..........................................................................................................................8
RESA (VIRGINIA ONLY)...........................................................................................................................8
CLERK OF COURT ACCOUNTS .............................................................................................................8
CLERK OF COURT REPORTING UNDER STATE TIN – PUBLIC FUNDS..........................................10
CLERK OF COURT ESTATE TRUST/ESTATE .....................................................................................10
CIF CHANGE REQUEST TEMPLATES .................................................................................................11
COMMERCIAL ACCOUNT FORMATTING ...............................................................................................11
DOING BUSINESS AS (DBA) ACCOUNTS...........................................................................................14
CORPORATION/COMMERCIAL ACCOUNTS ......................................................................................14
SOLE PROPRIETORSHIP ACCOUNTS ................................................................................................15
SOLE PROPRIETORSHIP/PAYABLE ON DEATH (POD) ACCOUNTS...............................................15
PRIVATE INVESTMENT COMPANY (PIC) ...............................................................................................15
TELEMARKETER/WEB-MARKETER .......................................................................................................16
THIRD PARTY PAYMENT PROCESSORS (TPPP)..................................................................................16
UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT (UIGEA)....................................................16
ESTATE ACCOUNTS.................................................................................................................................16
FIDUCIARY ACCOUNTS ...........................................................................................................................18
GUARDIANSHIP ACCOUNTS................................................................................................................19
MINOR/GUARDIAN ACCOUNTS...........................................................................................................19
NON-MINOR/GUARDIAN ACCOUNTS..................................................................................................20
MINOR JOINT ACCOUNTS....................................................................................................................20
MINOR/CUSTODIAN (UTMA/UGMA) ACCOUNTS ...............................................................................20
ALABAMA - ALUTMA ............................................................................................................................21
DISTRICT OF COLUMBIA - DCUTMA...................................................................................................21
FLORIDA – FLUTMA ..............................................................................................................................21
GEORGIA - GAUTMA.............................................................................................................................22
INDIANA – INUTMA................................................................................................................................22
KENTUCKY - KYUTMA ..........................................................................................................................22

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MARYLAND - MDUTMA .........................................................................................................................23
NEW JERSEY - NJUTMA.......................................................................................................................23
NORTH CAROLINA - NCUTMA .............................................................................................................24
OHIO - OHUTMA.....................................................................................................................................24
PENNSYLVANIA - PAUTMA ..................................................................................................................24
SOUTH CAROLINA - SCUGMA.............................................................................................................25
TENNESSEE - TNUTMA.........................................................................................................................25
TEXAS - TXUTMA...................................................................................................................................25
VIRGINIA - VAUTMA ..............................................................................................................................26
WEST VIRGINIA - WVUTMA ..................................................................................................................26
OTHER CUSTODIAL RELATIONSHIPS ...................................................................................................26
REPRESENTATIVE PAYEE ...................................................................................................................27
GEORGIA PUBLIC DEFENDER STANDARDS COUNCIL (GPDSC) ......................................................27
INDIVIDUAL ACCOUNTS ..........................................................................................................................27
IOLTA ACCOUNTS (INTEREST ON LAWYERS TRUST ACCOUNTS) ..................................................28
IOTA ACCOUNTS (APPLICABLE FOR FLORIDA ONLY).......................................................................28
New Jersey ................................................................................................................................................28
Ohio ............................................................................................................................................................28
Pennsylvania .............................................................................................................................................28
IRA ACCOUNTS (INDIVIDUAL RETIREMENT ACCOUNT).....................................................................28
JOINT ACCOUNTS ....................................................................................................................................30
LEGAL CORPORATION (LC)....................................................................................................................30
LIMITED LIABILITY COMPANIES (LLC), LIMITED LIABILITY PARTNERSHIPS (LLP), LIMITED
LIABILITY LIMITED PARTNERSHIPS (LLLP) ACCOUNTS ....................................................................30
PARTNERSHIP REQUIREMENTS.........................................................................................................31
PROFESSIONAL LIMITED LIABILITY COMPANY (PLLC)......................................................................31
LOAN ACCOUNTS.....................................................................................................................................32
BUSINESS LOAN ACCOUNTS (BLA) AND CONSUMER LOAN ACCOUNTS (CLA) ........................32
COLLATERAL RESERVE ACCOUNT (TYPE 121)...................................................................................32
LOTTERY ACCOUNTS..............................................................................................................................33
MARYLAND AFFORDABLE HOUSING (MAHT) ACCOUNTS ................................................................33
ONLINE BANKING ACCOUNTS ...............................................................................................................33
PENSION/PROFIT SHARING PLAN TRUST ACCOUNTS.......................................................................33
PRENEED FUNERAL PLAN ACCOUNTS ................................................................................................34
USDA (UNITED STATES DEPARTMENT OF AGRICULTURE) RURAL DEVELOPMENT (FORMERLY
FARMERS OR FEDERAL HOME ADMINISTRATION – FHA) ACCOUNTS ...........................................35
TRUST ACCOUNTS...................................................................................................................................35
BANKRUPTCY ACCOUNTS ..................................................................................................................35
ESTATE TRUST ACCOUNTS ................................................................................................................35
§ 1031 TAX DEFERRED EXCHANGE ACCOUNTS..............................................................................36
QUALIFYING INCOME TRUST (QIT) ACCOUNT – ALSO KNOWN AS MILLER TRUST...................36
OTHER TRUST ACCOUNTS..................................................................................................................36
TRUST ESTABLISHED USING A SOCIAL SECURITY NUMBER........................................................37
TRUST ESTABLISHED UNDER A WILL ...............................................................................................38
TRUST ESTABLISHED UNDER A COURT ORDER .............................................................................39
JOINT CHECKING ACCOUNTS CONVERTING TO TRUST ................................................................39
INDIVIDUAL LIVING TRUST ACCOUNT USING A SSN.......................................................................40
PAYABLE ON DEATH (POD) ACCOUNTS ...........................................................................................41

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PURPOSE
Standards were implemented for the following reasons:
 To ensure standardization in client and account registration throughout Community Banking.
 To present on-line CIF data in a more easily understood and recognizable format.
 To decrease legal problems resulting from incorrect or incomplete client and account registration.
POLICY
Refer to Deposit Account Policy to view the Policy.
Refer to CIF/Account Titles Standards to view the Standards.
PROCEDURES
ACCOUNT DESCRIPTIONS
COMMERCIAL ACCOUNTS
Clients may designate a special usage for Commercial accounts with an account description preceding
ACCT or FUND. This information should be entered on the next available line of the account title on AIF
after the company’s name has been listed. Only the company’s name should be entered on the Client
Information File (CIF) using the Tax Identification Number (TIN) assigned to it and related as Primary
(PRI). The CIF and AIF records should read as follows:
CIF FORSYTH FLORIST REL PRI (Business CIF)
AIF FORSYTH FLORIST
TAX ACCT
CIF FORSYTH NURSERY REL PRI (Business CIF)
AIF FORSYTH NURSERY
WATER FUND
CHURCHES
Churches can be a non-profit corporation or association.
Clients may designate a special usage for accounts with an account description preceding ACCT or
FUND. This information should be entered on the next available line of the account title on AIF after the
organization has been listed. Only the organization’s name should be entered on the CIF record using
the Tax Identification Number (TIN) assigned to it and related as Primary (PRI). The CIF and AIF records
should read as follows:
CIF FIRST BAPTIST CHURCH REL PRI (Business CIF with TIN)
AIF FIRST BAPTIST CHURCH
SUNDAY SCHOOL CLASS FUND

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INDIVIDUAL/JOINT ACCOUNTS
Individual and Joint accounts may have an account description (e.g., Bowling League Account, Soccer
Team Account, Family Reunion Account, etc.) to identify what the funds are designated for. Use the
Primary (PRI) client’s Social Security Number on AIF. The CIF and AIF records should read as follows:
CIF JOHN O DOE REL PRI (Personal CIF)
JANE C DOE SEC (Personal CIF)
AIF JOHN O DOE
JANE C DOE
VACATION ACCT
Do not use descriptive phrases as part of the account title. Examples of descriptive phrases include:
PHONE NUMBER
DRIVER’S LICENSE NUMBER
SOCIAL SECURITY NUMBER/TAX ID NUMBER
SPECIAL INSTRUCTIONS (i.e., Two (2) signatures required.)
ORGANIZATION ACCOUNTS
The Client Central relationship of Organization (ORG) will be used for clubs/organizations such as
scouting accounts, school-related clubs, as well as other clubs. The relationship will prevent clubs from
having the ability to view the parent entity’s financial information via OnLine Banking.
CIF ANYWHERE CITY SCHOOLS REL PRI (Business CIF with TIN)
ANYWHERE BAND BOOSTERS ORG
AIF ANYWHERE CITY SCHOOLS
ANYWHERE BAND BOOSTERS
Organizations such as clubs and scouting groups should have only the organization’s name with their Tax
Identification Number (TIN) entered on CIF. Do not use the Social Security Number (SSN) of a signer on
the account on AIF or CIF. If requested, the signer’s name may be entered on the alternate address.
CIF OPTIMIST CLUB OF ASHEVILLE REL PRI (Business CIF with TIN)
AIF OPTIMIST CLUB OF ASHEVILLE
Reunion accounts should have only the reunion name with its Tax Identification Number (TIN) entered
on CIF. Do not use the Social Security Number (SSN) of a signer on the account on CIF or AIF. If
requested, the signer’s name may be entered on the alternate address.
Clients may designate a special usage for reunion accounts with an account description preceding ACCT
or FUND. This information should be entered on the next available line of the account title on AIF after
the reunion name has been listed.
Only the reunion’s name should be entered on the CIF record using the Tax Identification Number (TIN)
assigned to it and related as Primary (PRI). The CIF and AIF records should read as follows:

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CIF DOE FAMILY REUNION REL PRI (Business CIF with TIN)
AIF DOE FAMILY REUNION
CATERING ACCT
CAMPAIGN ACCOUNTS
 Campaign accounts are required by BB&T to have a TIN (business tax ID) for the campaign
account.
NOTE: If the candidate insists on using his/her SSN; this must be approved prior to account
opening by the Regional Branch Operations Manager (RBOM) or Area Operations
Officer Branch Team Leader (AOO BTL). RBOM/AOO BTL should contact BB&T Legal
Department for assistance in determining if the request is allowable. The CIF should be
established in the name of the campaign using the SSN of the candidate. The
candidate's name should be in the titling of the campaign.
 The CIF should be a business CIF record in the name of the campaign using the TIN issued for the
campaign.
 The campaign accounts should not be set up as DBA or as an account identifier under the personal
CIF of the candidate.
 Campaign verbiage may differ depending on what the campaign committee decides.
 Campaign funds should never be co-mingled with the personal accounts of the candidate. This could
cause the money in the campaign account to be subject to levies, garnishments, estates (if the
candidate dies), etc.
 The money in the campaign funds have special reporting per state codes. The candidate does not
own the money in the campaign accounts; it belongs to the campaign committee and must be
dispersed per state guidelines at the end of the campaign.
CAMPAIGN ACCOUNT WITH BUSINESS TIN
CIF JOHN SMITH FOR BOARD OF EDUCATION REL PRI (Business CIF with TIN)
OR FRIENDS OF JOHN SMITH FOR BOARD OF EDUCATION
AIF JOHN SMITH FOR BOARD OF EDUCATION
OR FRIENDS OF JOHN SMITH FOR BOARD OF EDUCATION
Campaign Account with Social Security Number (SSN)
CIF JOHN DOE FOR SENATE REL PRI (Business CIF Using SSN of Candidate)
OR FRIENDS OF JOHN DOE FOR SENATE
AIF JOHN DOE FOR SENATE
OR FRIENDS OF JOHN DOE FOR SENATE

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GIRL SCOUTS TROOP USING TAX IDENTIFICATION NUMBER (TIN) OF GIRL SCOUTS COUNCIL
Girl Scouts should be set up with the ORG relationship. A separate Business CIF record should be
established for the Girl Scouts Council and for the Troop. The CIF and AIF records should read as
follows:
NOTE: Do not establish the Girl Scout account as Doing Business As (DBA).
CIF GIRL SCOUTS OF THE USA REL PRI (Business CIF with TIN)
BROWNIE TROOP 1234 ORG (Business CIF with EIN of all zeros)
AIF GIRL SCOUTS OF THE USA
BROWNIE TROOP 1234
CIF GIRL SCOUTS OF AMERICA REL PRI (Business CIF with TIN)
DAISY TROOP 567 ORG (Business CIF with EIN of all zeros)
AIF GIRL SCOUTS OF AMERICA
DAISY TROOP 567
DBT cards and OLB accounts should be set up in the Troop name only. Housing the DBT and OLB
accounts under the CIF record for the Troop will allow the client access only to the deposit accounts of
the Troop.
CIF BROWNIE TROOP 1234 REL PRI (Business CIF)
AIF BROWNIE TROOP 1234
CIF DAISY TROOP 567 REL PRI (Business CIF)
AIF DAISY TROOP 567
BOY SCOUTS
The Boy Scouts of America will not allow their Tax Identification Number (TIN) to be used by the
individual troops. A Boy Scouts Troop or Cub Scouts Troop must either use the Tax Identification
Number (TIN) of the sponsoring organization (i.e., Grace Baptist Church), or apply for a Tax Identification
Number (TIN) exclusively for their troop.
BOY SCOUTS TROOP USING SPONSORING ORGANIZATION’S TAX IDENTIFICATION NUMBER
(TIN)
If the Tax Identification Number (TIN) of the sponsoring organization is used the following AIF and CIF
standard will be followed. The sponsoring organization will be the owner of the account and the name of
the Scouts Troop will be an account identifier on AIF. The CIF and AIF records should read as follows:
CIF GRACE BAPTIST CHURCH REL PRI (Business CIF with TIN)
AIF GRACE BAPTIST CHURCH
CUB SCOUTS TROOP 012 ACCT

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BOY SCOUTS TROOP USING TAX IDENTIFICATION NUMBER (TIN) OBTAINED BY THE TROOP
If the Scouts Troop chooses to obtain their Tax Identification Number (TIN), the only CIF relationship will
be the troop. The CIF and AIF records should read as follows:
CIF BOY SCOUTS TROOP 513 REL PRI (Business CIF with TIN)
AIF BOY SCOUTS TROOP 513
AGENCY ACCOUNTS
ESCROW ACCOUNTS
Refer to Escrow Account Standards to view the Standards.
Refer to BOM section E-650 - Escrow Accounts to view additional procedures.
To complete the BB&T Escrow Agent Certification, refer to BOM section A-129B - Account Opening
Business/Client Identification Program (CIP) for business accounts. Refer to BOM section A-129P -
Account Opening Personal/Client Identification Program (CIP) for personal accounts.
PERSONAL AGENCY ACCOUNTS (AVAILABLE IN NORTH CAROLINA)
An individual (Principal) who has an individual personal account may designate an Agent to act on his/her
behalf.
When processing Personal Agency accounts, a Primary (PRI) relationship should be established for the
principal party (owner) of the account. Establish an Agent (AGT) relationship for the designated Agent.
The CIF and AIF records should read as follows:
CIF JOHN M DOE REL PRI (Personal CIF)
JACK C SMITH AGT (Personal CIF)
AIF JOHN M DOE
AGT JACK C SMITH
AGENT/POWER OF ATTORNEY ACCOUNTS
An agency, an attorney-in-fact, an attorney holding funds for a client, relationship exists when an
individual or entity is authorized to act on behalf of another person or entity. For Agent or Attorney-In-
Fact, refer to the applicable state’s Power of Attorney BOM procedures below:
Alabama
District of Columbia
Florida
Georgia
Indiana
Kentucky

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Maryland
New Jersey
North Carolina
Ohio
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
West Virginia
AGENT ON DEBTOR IN POSSESSION ACCOUNTS
An Agent on a “Debtor-In-Possession” account is permissible with the appropriate documents. The CIF
and AIF records should read as follows:
CIF JOHN P BROWN REL PRI (Personal CIF)
MARY R BROWN SEC (Personal CIF)
SUSAN BLUE AGT (Personal CIF)
AIF JOHN P BROWN OR MARY R BROWN
AGT SUSAN BLUE
DEBTOR IN POSSESSION
ATTORNEY ACCOUNTS
For Attorney/Fiduciary accounts, refer to “AGENT/POWER OF ATTORNEY ACCOUNTS” information in
this section to view documentation.
For IOLTA/IOTA accounts, refer to IOLTA ACCOUNTS (Interest On Lawyers Trust Accounts) IOTA
ACCOUNTS - Applicable for Florida Only as outlined in BOM section I-920L - Interest on Lawyers Trust
Accounts (IOTA) - Florida.
RESA (VIRGINIA ONLY)
Refer to BOM section R-803 - Real Estate Settlement Agents Act (RESA) Accounts to view additional
procedures.
CLERK OF COURT ACCOUNTS
The Clerk of Court may request that various types of accounts be opened for conducting official business
and/or for administering affairs for others. Since these accounts are opened for various purposes, one (1)
standard format cannot be established. However, the following registration standards should be used
when possible.
Use the following standards when the Clerk of Court is listed as Primary (PRI) using its Tax Identification
Number (TIN):
Establish a Primary (PRI) relationship for the Clerk of Court using the court’s Tax Identification Number
(TIN). Designation of funds should only be indicated on AIF. The CIF and AIF records should read as
follows:

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CIF LENOIR CO CLERK OF COURT REL PRI (Business CIF)
AIF LENOIR CO CLERK OF COURT
UNIDENTIFIED MONEY ORDER ACCT
Establish a Primary (PRI) relationship for the Clerk of Superior Court using the court’s Tax Identification
Number (TIN) and the Beneficiary (BNF) would not have a CIF relationship for this account. The CIF and
AIF records should read as follows:
CIF LENIOR CO CLERK OF SUPERIOR COURT REL PRI (Business CIF)
AIF LENIOR CO CLERK OF SUPERIOR COURT
BNF EST OF JOHN HARRINGTON SMITH
For Clerk of Court accounts that have a case number; do not use the verbiage ACCT or FUND.
CIF ORANGE CO CLERK OF SUPERIOR COURT REL PRI (Business CIF)
AIF ORANGE CO CLERK OF SUPERIOR COURT
BNF ROGER SMITH
CF117595L0001
Establish a Primary (PRI) relationship for the Clerk of Superior Court using the court’s Tax Identification
Number (TIN). The beneficiary (BNF) or individuals in dispute would not have a CIF record for this
account. These accounts are usually established for individuals or businesses that have a court trial
pending. The CIF and AIF records should read as follows:
CIF BUNCOMBE CO CLERK OF SUPERIOR COURT REL PRI (Business CIF)
AIF BUNCOMBE CO CLERK OF SUPERIOR COURT
BNF C L ROSE VS T W ROSE
CIF UNITED STATES DISTRICT COURT REL PRI (Business CIF)
AIF UNITED STATES DISTRICT COURT
BNF USF&G VS USA
CASE #PY7596KP7001
CIF NELSON COUNTY CLERK OF COURT REL PRI (Business CIF)
AIF NELSON COUNTY CLERK OF COURT TIN of Court
BNF HEIRS OF EMMA MAE SMITH
Use the following standards when the Clerk of Court has been appointed as Custodian (CUS), Agent
(AGT), Trustee (TTE), or Guardian (GDN).
Establish a Primary (PRI) relationship for the Clerk of Court, using their Tax Identification Number (TIN).
Do not establish a personal CIF for the beneficiary of the funds in these accounts. Once the
account has been established, reformat the AIF to read as specified below using the beneficiary’s
Social Security Number (SSN) on AIF only. The CIF and AIF records should read as follows:

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CIF WAKE CO CLERK OF SUPERIOR COURT REL PRI (Business CIF)
AIF BNF ELLEN J RATHERS SSN of BNF
TTE WAKE CO CLERK OF SUPERIOR COURT
CIF BLADEN CO CLERK OF SUPERIOR COURT REL PRI (Business CIF)
AIF BNF DARREN DAVIS SSN of BNF
CUS BLADEN CO CLERK OF SUPERIOR COURT
CIF HARNETT CO CLERK OF SUPERIOR COURT REL PRI (Business CIF)
AIF BNF DAVID SHANE WILLIAMS SSN of BNF
GDN HARNETT CO CLERK OF SUPERIOR COURT
CIF CLERK OF SUPERIOR COURT REL PRI (Business CIF)
AIF BNF MELISSA SMITH SSN of BNF
AGT CLERK OF SUPERIOR COURT
CLERK OF COURT REPORTING UNDER STATE TIN – PUBLIC FUNDS
If a Clerk of Court account is reporting under the Tax Identification Number (TIN) of the state and needs
to show as public funds, use the public funds class code 21.
 Create a primary relationship for the State of XXXX using the Tax Identification Number (TIN)
belonging to the state.
 On Title Line 2, list the name of the Clerk of Court on the AIF titling and any legal verbiage or case
information on Title line 3. This would be true in any state for the Clerk of Court using the Tax
Identification Number (TIN) of the state. Do not add account to either line 2 or 3.
 A CIF profile for the Clerk of Court is not needed.
CIF STATE OF XXXXXX REL PRI (Business CIF)
TIN of State
AIF STATE OF XXXXXX TIN of State
Clerk of Circuit Court XYZXYZ County
(File number or case verbiage)
CLERK OF COURT ESTATE TRUST/ESTATE
If an Estate is established by the court then a Business Trust CIF record should be established using the
Trust's Tax Identification Number (TIN). The CIF and AIF records should read as follows:
CIF JOHN HARRINGTON SMITH ESTATE TRUST REL PRI (Business CIF with TIN)
LENIOR CO CLERK OF SUPERIOR COURT AGT (Business CIF)

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AIF JOHN HARRINGTON SMITH ESTATE TRUST
AGT LENIOR CO CLERK OF SUPERIOR COURT
If the court has been appointed as an Agent for an individual's Estate, establish a Primary (PRI)
relationship on AIF for the Estate, using the Estate's Tax Identification Number (TIN) and an Agent (AGT)
relationship on AIF for the Clerk of Superior Court. The Primary on CIF will be the personal record of the
deceased with the SSN. The court will be AGT on CIF. The CIF and AIF records should read as follows:
CIF JOHN HARRINGTON SMITH REL PRI (Personal CIF with SSN)
LENIOR CO CLERK OF SUPERIOR COURT AGT (Business CIF)
AIF EST OF JOHN HARRINGTON SMITH (Use Estate's TIN)
AGT LENIOR CO CLERK OF SUPERIOR COURT
CIF CHANGE REQUEST TEMPLATES
The CIF Change Requests Templates and Purposes are listed as follows:
 CIF Account Relationship
PURPOSE: This template is used for requesting the deletion of an account relationship and/or
changing an account relationship. It also contains a “JUSTIFICATION” section, which may be used
to include comments/instructions pertaining to the maintenance requested.
 CIF Charge Offs
PURPOSE: This template is used by the Recovery Department to request that a charge off account
be deleted from a client. This request can also be accepted from branch associates with a title of
Vice President or higher. Notify the Recovery Department when a charge off has been deleted due to
a request received from branch associates.
NOTE: If the template is completed by branch associates with a title of Vice President or
higher; notify both Deposits Services/CIF Administration and the Recovery
Department.
 CIF MISC
PURPOSE: To provide a template for branch associates to request a change for which another
template does not accommodate.
 CIF RECORD COMBINE
PURPOSE: In order to have a quality CIF System, each client must have only one (1) client (CIF)
record. Although the system automatically combines most records, some records will not be
combined for various reasons. When a branch associate discovers a client with two (2) or more
records, the request to combine them is sent using the CIF Record Combine template.
The template enables the requestor to specify the record to be retained, the records to be deleted,
the alternate address to be retained and any additional comments pertinent to the combine request.
COMMERCIAL ACCOUNT FORMATTING
Only the commercial name should be entered on CIF using its Tax Identification Number (TIN) and should
be related as Primary (PRI). The CIF and AIF records should read as follows:

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CIF TRANSPORT PRODUCE INC REL PRI (Business CIF)
AIF TRANSPORT PRODUCE INC
CIF HANES KNITWEAR CORP REL PRI (Business CIF)
AIF HANES KNITWEAR CORP
CIF R J SMITH TOBACCO CO INC REL PRI (Business CIF)
AIF R J SMITH TOBACCO CO INC
CIF RALEIGH MFG CO REL PRI (Business CIF)
AIF RALEIGH MFG CO
If there is not sufficient room on AIF to record the full name of a business on the first title line, the second
title line should be used to complete the name. Only the commercial name should be entered on CIF
using its Tax Identification Number (TIN) and should be related as Primary (PRI). Branch associates may
shorten the business name on CIF to make the name fit on the first title line. On the CIF record DO NOT
abbreviate the first two (2) words of the Business Name. This can distort the CIF record. Use the
Commercial Word Abbreviation Table to obtain the correct abbreviations for commercial names. The CIF
CIF NASH EDGECOMBE COUNTIES JOB PLACEMENT REL PRI (Business CIF)
SERVICES INC
AIF NASH EDGECOMBE COUNTIES JOB PLACEMENT
SERVICES INC
A second name line may be used to denote a separate division or department of a company on AIF. Only
the commercial name should be entered on CIF, the second name should be entered on the next
available name line of AIF. A Primary (PRI) relationship should be established. The CIF and AIF records
CIF C & M INC REL PRI (Business CIF)
AIF C & M INC
A DIVISION OF COMPUTECH
CIF GLAXO INC REL PRI (Business CIF)
AIF GLAXO INC
PHARMACY SALES DIVISION
Do not include as part of the account title (AIF) an individual representing the business as a treasurer,
president, owner, etc. These names, if applicable, should be recorded as “C/O” (In Care Of) or "ATTN"
(Attention) on the AIF Alternate Address Line. Use ATTN if a person is listed on the AIF Alternate
Address. Use C/O if a business is listed on the AIF Alternate Address.

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Do not record, on the account title lines, names of company officials who are authorized to withdraw
funds from an account. These names should be placed on the signature card.
Do not use punctuation on commercial account registration. The only exception to this rule is when the
symbol & is a part of the legal name. If a business has a period in the legal name of the business, such
as an internet related company, the period is allowed on CIF and AIF. The CIF and AIF records should
read as follows:
CIF WIZARD.COM REL PRI (Business CIF)
AIF WIZARD.COM
CIF BB&T REL PRI (Business CIF)
AIF BB&T – CHARLOTTE
Business names that have an (’s) included in the name should be listed with the (’s) on AIF but not on
CIF, if it affects the reading of the name of the business. The CIF and AIF records should read as
follows:
CIF JOE T BARBECUE LODGE REL PRI (Business CIF)
AIF JOE T’S BARBECUE LODGE
CIF B J HATS REL PRI (Business CIF)
AIF B J’S HATS
If removing the apostrophe from the business name does not affect the reading of the business name,
only the apostrophe is deleted from the CIF and AIF record.
CIF JOHNS MARKET REL PRI (Business CIF)
AIF JOHNS MARKET
In abbreviating business names to fit on one (1) title line, use only the abbreviations list in the
Commercial Word Table below.
COMMERCIAL WORD TABLE
Accounting ACCTG Government GOVT
Administration ADMN Grocery GROCY
Air Conditioning AC Heating HTG
And & Home Owner's Association HOA
Apartment APT Hospital HOSP
Apartments APTS Incorporated INC
Association ASSN Information INFO
Associates ASSOC Institute INST
Authority ATHRTY Insurance INS
Automotive AUTOMTV International INTRNTL
Automobile AUTO Laboratory LAB

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Auxiliary AUX Limited LTD
Baptist BAPT Management MGMT
Barbecue BBQ Manufacturing MFG
Brothers BROS Market MKT
Building BLDG Marketing MKTG
Center CTR Methodist METHDST
Church CHURCH National NATL
College COLG Organization ORGN
Company CO Park PK
Committee CMMTE Parent Teachers Association PTA
Community CMNTY Parent Teachers Organization PTO
Construction CONSTRCTN Presbyterian PRESBY
Contracting CNTRCTNG Practicing Associates PA
Corporation CORP Professional Associates PA
Department DEPT Restaurant RSTRNT
Development DEV Service SVC
Distributor DISTR T/A DBA
Division DIV Television TV
Doing Business As DBA Trading As DBA
Doctors DRS Trading Under DBA
Electric/Electrical ELECTR/ELECTRL Under Trade DBA
Equipment EQUIP University UNIV
Federal FED Unlimited UNLTD
Freewill Baptist FWB Volunteer Fire Department VFD
Fund FUND Veterans of Foreign War VFW
Furniture FURN Wholesale WHOL
DOING BUSINESS AS (DBA) ACCOUNTS
An account set up for an individual or business that is “doing business as” (operating) under a name that
is different from the legal name of the individual or business. In some states, the name that is being used
is called an “assumed name” or “fictitious name” and must be registered with the state. A corporation can
use multiple “assumed names”.
CORPORATION/COMMERCIAL ACCOUNTS
If a business is operating under an assumed name, the account's AIF record should be set up with the
actual business name on the first account title line and the DBA/assumed name of the business on the
second account title line preceded by DBA. The Employer Identification Number (EIN) for the primary
business should be keyed on the AIF record. The actual business’ name should have a business CIF
record established with its own assigned Employer Identification Number (EIN) and should be related as
the Primary (PRI) party. The DBA/assumed name of the business should have a CIF record established
and can apply for its own assigned Employer Identification Number (EIN), different from the Primary’s EIN
and should be related as DBA. The CIF and AIF records should read as follows:
CIF SMITHS BODY SHOP INC REL PRI (Business CIF)
BILLS USED CARS DBA (Business CIF)
AIF SMITH’S BODY SHOP INC (TIN of Primary Business)
DBA BILL’S USED CARS

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SOLE PROPRIETORSHIP ACCOUNTS
If an individual is operating a business as a Sole Proprietorship, the individual’s Social Security Number
(SSN), should be keyed on the AIF record. The individual or owner should have a Personal CIF record
established with his/her Social Security Number (SSN) and should be related as the Primary (PRI) owner.
Always use the primary’s Social Security Number (SSN) on AIF.
The business name/DBA should have a Business CIF record established with its assigned Employer
Identification Number (EIN), if they have one (1), and should be related as DBA. Do not record the
individual’s Social Security Number (SSN) on the business’ CIF record. If available, the Employer
Identification Number (EIN) for the business should be entered on the CIF record for the business. The
CIF and AIF records should read as follows:
CIF JOE SMITH REL PRI (Personal CIF)
JOES AUTO MART DBA (Business CIF)
AIF JOE SMITH (SSN of Individual)
DBA JOE’S AUTO MART
Special Notes On DBA Accounts
 A corporation cannot do business as another corporation.
 A corporation cannot do business as a Limited Liability Company (LLC), Limited Liability Partnership
(LLP), or Limited Liability Limited Partnership (LLLP).
 Reunions, Political Campaigns, etc. cannot be setup as a DBA.
 Constant Credit (CRL) accounts cannot be setup as a DBA.
 Estate accounts cannot be DBA. Refer to the Estate Account Standards to view the Standards.
 Trust Accounts cannot be DBA. Refer to the Business Deposit Account Opening Standards to
view the Standards.
 USDA Rural Development accounts cannot be set up as DBA accounts.
SOLE PROPRIETORSHIP/PAYABLE ON DEATH (POD) ACCOUNTS
For a Sole Proprietorship with a POD on the account, use the Sole Proprietorship Class Code, record the
beneficiary information on the signature card, provide the Commercial Bank Services Agreement (CBSA)
and enter POD and beneficiary’s name on the AIF record. The CIF and AIF records should read as
follows:
CIF JOE SMITH REL PRI (Personal CIF)
JOES AUTO MART DBA (Business CIF)
AIF JOE SMITH (SSN of Individual)
DBA JOE’S AUTO MART
POD XXXX
PRIVATE INVESTMENT COMPANY (PIC)
Refer to BOM section A-129B - Account Opening/Business - Client Identification Program (CIP) to view
additional procedures.

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TELEMARKETER/WEB-MARKETER
THIRD PARTY PAYMENT PROCESSORS (TPPP)
UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT (UIGEA)
ESTATE ACCOUNTS
Refer to the Estate Account Standards to view the Standards.
A new account must be opened for an Estate account; associates cannot convert the existing
account for the client; there are no exceptions to this rule.
Estate accounts are opened for the purpose of settling a decedent's estate. The person(s) who
represents the deceased is usually named the Executor (male) or Executrix (female). However, in cases
where an individual dies intestate (without a will), the Clerk of Court may appoint an Administrator (male),
Administratrix (female), or other Personal Representative to oversee the settling of the estate.
NOTE: The Tax Identification Number (TIN) is obtained from local IRS office.
Estate accounts can be opened under the personal CIF of a deceased client using the deceased party’s
Social Security Number (SSN) or under a business CIF for the estate using CIP documentation for the
estate and the estate Tax Identification Number (TIN) number.
There can only be one (1) deceased client on a Personal Estate account. There can be more than one (1)
Executor/Executrix (EXC), Administrator/Administratrix (ADM), or Personal Representative (REP) on an
Estate account. If more than one (1) person has been appointed to settle the estate, the names of all
appointed persons must appear in the account (AIF) title.
Establishing An Estate Account Using The Personal CIF Of A Deceased Client
When establishing an Estate account, a Personal CIF record should be established for the deceased
party using the deceased party’s Social Security Number (SSN). The following registration standards
should be used:
a. Establish a Primary (PRI) relationship using the Personal CIF record of the deceased party and an
Executor/Executrix (EXC) relationship for the appointed Executor/Executrix (EXC). The CIF and AIF
records should read as follows:
CIF JOHN JACK JONES REL PRI (Personal CIF with SSN)
EDWARD T JONES EXC (Personal CIF)

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AIF EST OF JOHN JACK JONES (TIN of Estate)
EXC EDWARD T JONES
b. Establish a Primary (PRI) relationship using the Personal CIF record of the deceased party and an
Administrator/Administratrix (ADM) relationship for the court appointed Administrator/Administratrix
(ADM). The CIF and AIF records should read as follows:
CIF ANTHONY SMITH REL PRI (Personal CIF with SSN)
JOHN JONES ADM (Personal CIF)
AIF EST OF ANTHONY SMITH (TIN of Estate)
ADM JOHN JONES
c. Establish a Primary (PRI) relationship using the Personal CIF record of the deceased party and two
(2) Executor/Executrix (EXC) relationships for the Will appointed Executors. The CIF and AIF records
NOTE: Allowing two (2) or more Executor/Executrix (EXC) relationships for the Will appointed
Executors does not mean that BB&T requires both to act together.
Refer to the “DUAL SIGNATURES/SPECIAL PURPOSE ACCOUNTS” category in the
BB&T Bank Services Agreement and BOM section A-129P - Account Opening-
Personal/Client Identification Program (CIP) for additional documentation and
procedures.
JANE SMITH EXC (Personal CIF)
JOHN SMITH EXC (Personal CIF)
EXC JANE SMITH
EXC JOHN SMITH
d. Establish a Primary (PRI) relationship using the Personal CIF record of the deceased party and a
Representative (REP) relationship for the appointed Personal Representative. The CIF and AIF
JOHN SMITH REP (Personal CIF)
REP JOHN SMITH
Establishing An Estate Account Using Court Documents And The Tax Identification Number (TIN)
Assigned To The Estate Of A Deceased Client
 When establishing an Estate account using the court documentation of the deceased client
and the Tax Identification Number (TIN) assigned to the Estate account, a Business CIF record
should be established for the deceased party’s estate. The following registration standards should be
used:

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a. Establish a Primary (PRI) relationship using the Business CIF record for the estate of the deceased
party and an Executor/Executrix (EXC) relationship for the appointed Executor/Executrix. The CIF
CIF ESTATE OF ANTHONY SMITH REL PRI (Business CIF with TIN)
EXC JANE SMITH
b. Establish a Primary (PRI) relationship using the Business CIF record for the estate of the deceased
party and an Administrator/Administratrix (ADM) relationship for the court appointed
Administrator/Administratrix (ADM). The CIF and AIF records should read as follows:
JOHN JONES ADM (Personal CIF)
ADM JOHN JONES
c. Establish a Primary (PRI) relationship using the Business CIF record for the estate of the deceased
party and two (2) Executor/Executrix (EXC) relationships for the will appointed Executors. The CIF
JOHN SMITH EXC (Personal CIF)
EXC JANE SMITH
EXC JOHN SMITH
d. Establish a Primary (PRI) relationship using the Business CIF record for the estate of the deceased
party and a Representative (REP) relationship for the appointed Personal Representative. The CIF
JOHN SMITH REP (Personal CIF)
REP JOHN SMITH
FIDUCIARY ACCOUNTS
A Fiduciary is an individual or entity who manages property and/or funds in a representative capacity for
another individual or entity. Examples of fiduciary capacities include Administrator/trix, Agent, Custodian,
Executor/trix, Guardian, Trustee, Personal Representative, Representative Payee, Power of Attorney,
and Attorney-In-Fact. As with any account, the Employer Identification Number (EIN) on a Fiduciary
account must belong to the one (1) person or entity shown as the first name of the account title.

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Each party to a Fiduciary account should be entered on a separate line, if possible. Avoid using the
wording "By" or "For" on an account title. These accounts should be set up in a defined fiduciary format
unless otherwise noted. Designate special usage for Fiduciary accounts with an account description.
This information should be recorded on the third line of the account title.
GUARDIANSHIP ACCOUNTS
Refer to the “Guardian/Conservator Accounts” category of documentation as outlined in BOM section A-
129P - Account Opening-Personal/Client Identification Program (CIP) for review and approval process
prior to establishing guardianship accounts.
When establishing a Guardianship account, a Primary (PRI) relationship should be established for the
individual and a Guardian (GDN) relationship should be established for the court appointed Guardian. If
the court appointed guardian is the Clerk of Court, use the title; do not use the actual clerk's name. Use
the Social Security Number (SSN) of the Minor or Incompetent. The CIF and AIF records should read as
follows:
CIF JOHN F FRANKLIN REL PRI (Personal CIF)
JOHN L DOE GDN (Personal CIF)
AIF JOHN F FRANKLIN
GDN JOHN L DOE
CIF EDWARD T WILLIAMS REL PRI (Personal CIF)
LENIOR CO CLERK OF CT GDN (Business CIF)
AIF EDWARD T WILLIAMS
GDN LENIOR CO CLERK OF CT
CIF MARY T SMITH REL PRI (Personal CIF)
GUILFORD COUNTY GDN (Business CIF)
AIF MARY T SMITH
GDN GUILFORD COUNTY
CIF HERBERT L ADAMS REL PRI (Personal CIF)
WAKE CO DEPT OF SOCIAL SERVICES GDN (Business CIF)
AIF HERBERT L ADAMS
GDN WAKE CO DEPT OF SOCIAL SERVICES
MINOR/GUARDIAN ACCOUNTS
CIF THOMAS WILLIAMS REL PRI (Personal CIF)
MICHELLE WILLIAMS GDN (Personal CIF)
AIF MIN THOMAS WILLIAMS
GDN MICHELLE WILLIAMS

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CIF REBECCA ADAMS REL PRI (Personal CIF)
COLUMBUS COUNTY CLERK OF COURT GDN (Business CIF)
AIF MIN REBECCA ADAMS
GDN COLUMBUS COUNTY CLERK OF COURT
NON-MINOR/GUARDIAN ACCOUNTS
CIF JOHN F FRANKLIN REL PRI (Personal CIF)
JOHN L DOE GDN (Personal CIF)
AIF JOHN F FRANKLIN
GDN JOHN L DOE
CIF MARY T SMITH REL PRI (Personal CIF)
GUILFORD COUNTY GDN (Business CIF)
AIF MARY T SMITH
GDN GUILFORD COUNTY
MINOR JOINT ACCOUNTS
Minor Joint accounts unlike Minor/Custodian accounts do not require the relationship code of MIN to
precede the Minor’s name on AIF. Refer to “Legal-Minimum Age Limits” in BOM section A-129P -
Account Opening-Personal/Client Identification Program (CIP) to view additional procedures. The CIF
CIF TIMOTHY JONES REL PRI (Personal CIF)
MELISSA JONES SEC (Personal CIF)
AIF TIMOTHY JONES
MELISSA JONES
MINOR/CUSTODIAN (UTMA/UGMA) ACCOUNTS
Uniform Transfer/Gift to Minor Act accounts – UTMA applies to all states except for South Carolina, which
uses UGMA. Under the UTMA/UGMA Law, an adult may give money to a Minor by depositing funds in a
custodial account. This relationship implies that the Minor owns the money and that the Custodian is
responsible for managing the money for the benefit of the Minor.
When setting up the UTMA/UGMA account, the Minor’s name must appear in the first title line on the AIF
as Primary (PRI). When setting up the UTMA/UGMA account, a Primary (PRI) relationship must be
established for the Minor. A Custodian (CUS) relationship must be established for the designated
Custodian. Only one (1) Minor and one (1) Custodian must be designated on the account unless the
account is established in Maryland, Tennessee, or Virginia; where two (2) Custodians may be designated.
The legal age of majority for UTMA/UGMA accounts is when a child reaches the age of eighteen (18) in
DC, KY, and VA or the age of twenty-one (21) in AL, FL, GA, IN, MD, NC, NJ, OH, PA, SC, TN, TX, and

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WV. It is the Custodian’s responsibility to release the funds to the child when the child becomes the legal
age.
A. The account should be closed and a check issued made payable to the Guardian or Custodian for the
child (i.e., Daddy Doe, Guardian/Custodian for Child Doe under UTMA/UGMA).
B. The Guardian/Custodian then signs the check over to the child.
C. If the child wants to open an account in his/her name, he/she can endorse and deposit the check in
his/her new account.
D. New signature card is required.
ALABAMA - ALUTMA
This relationship implies that the Minor, whose name must appear in the primary title, owns the money
and that the Custodian is responsible for managing the money for the benefit of the Minor.
When establishing an ALUTMA account, a Primary (PRI) relationship should be established for the Minor.
A Custodian (CUS) relationship should be established for the designated Custodian. Only one (1) Minor
and one (1) Custodian may be designated on an ALUTMA account. The CIF and AIF records should
read as follows:
CIF AMY SUE JONES REL PRI (Personal CIF)
LYNN T JONES CUS (Personal CIF)
AIF MIN AMY SUE JONES
CUS LYNN T JONES
UNDER ALUTMA
DISTRICT OF COLUMBIA - DCUTMA
When establishing a DCUTMA account, a Primary (PRI) relationship should be established for the Minor.
and one (1) Custodian may be designated on a DCUTMA account. The CIF and AIF records should read
as follows:
CUS LYNN T JONES
UNDER DCUTMA
FLORIDA – FLUTMA

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When establishing a FLUTMA account, a Primary (PRI) relationship should be established for the Minor.
and one (1) Custodian may be designated on a FLUTMA account. The CIF and AIF records should read
as follows:
CUS LYNN T JONES
UNDER FLUTMA
GEORGIA - GAUTMA
When establishing a GAUTMA account, a Primary (PRI) relationship should be established for the Minor.
and one (1) Custodian may be designated on a GAUTMA account. The CIF and AIF records should read
as follows:
CIF AMY SUE JONE REL PRI (Personal CIF)
CUS LYNN T JONES
UNDER GAUTMA
INDIANA – INUTMA
When establishing an INUTMA account, a Primary (PRI) relationship should be established for the Minor.
and one (1) Custodian may be designated on an INUTMA account. The CIF and AIF records should read
as follows:
CUS LYNN T JONES
UNDER INUTMA
KENTUCKY - KYUTMA

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When establishing a KYUTMA account, a Primary (PRI) relationship should be established for the Minor.
and one (1) Custodian may be designated on a KYUTMA account. The CIF and AIF records should read
as follows:
CUS LYNN T JONES
UNDER KYUTMA
MARYLAND - MDUTMA
When establishing a MDUTMA account, a Primary (PRI) relationship should be established for the Minor.
A Custodian (CUS) relationship should be established for the designated Custodian(s). Only one (1)
Minor and no more than two (2) Custodians may be designated on a MDUTMA account. The CIF and
JOHN C JONES CUS (Personal CIF)
CUS LYNN T JONES OR JOHN C JONES
UNDER MDUTMA
NEW JERSEY - NJUTMA
When establishing a NJUTMA account, a Primary (PRI) relationship should be established for the Minor.
and one (1) Custodian may be designated on a NJUTMA account. The CIF and AIF records should read
as follows:
CUS LYNN T JONES
UNDER NJUTMA

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NORTH CAROLINA - NCUTMA
When establishing a NCUTMA account, a Primary (PRI) relationship should be established for the Minor.
and one (1) Custodian may be designated on a NCUTMA account. The CIF and AIF records should read
as follows:
CUS LYNN T JONES
UNDER NCUTMA
OHIO - OHUTMA
When establishing an OHUTMA account, a Primary (PRI) relationship should be established for the
Minor. A Custodian (CUS) relationship should be established for the designated Custodian. Only one (1)
Minor and one (1) Custodian may be designated on an OHUTMA account. The CIF and AIF records
CUS LYNN T JONES
UNDER OHUTMA
PENNSYLVANIA - PAUTMA
When establishing a PAUTMA account, a Primary (PRI) relationship should be established for the Minor.
and one (1) Custodian may be designated on a PAUTMA account. The CIF and AIF records should read
as follows:
CUS LYNN T JONES
UNDER PAUTMA

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SOUTH CAROLINA - SCUGMA
When establishing a SCUGMA account, a Primary (PRI) relationship should be established for the Minor.
and one (1) Custodian may be designated on a SCUGMA account. The CIF and AIF records should read
as follows:
CUS LYNN T JONES
UNDER SCUGMA
TENNESSEE - TNUTMA
When establishing a TNUTMA account, a Primary (PRI) relationship should be established for the Minor.
Minor and no more than two (2) Custodians may be designated on a TNUTMA account. The CIF and
UNDER TNUTMA
TEXAS - TXUTMA
When establishing a TXUTMA account, a Primary (PRI) relationship should be established for the Minor.
and one (1) Custodian may be designated on a TXUTMA account. The CIF and AIF records should read
as follows:
CUS LYNN T JONES
UNDER TXUTMA

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VIRGINIA - VAUTMA
and that the Custodian(s) is/are responsible for managing the money for the benefit of the Minor.
When establishing a VAUTMA account, a Primary (PRI) relationship should be established for the Minor.
Minor and no more than two (2) Custodians may be designated on a VAUTMA account. The CIF and
UNDER VAUTMA
WEST VIRGINIA - WVUTMA
When establishing a WVUTMA account, a Primary (PRI) relationship should be established for the Minor.
and one (1) Custodian may be designated on a WVUTMA account. The CIF and AIF records should read
as follows:
CUS LYNN T JONES
UNDER WVUTMA
OTHER CUSTODIAL RELATIONSHIPS
The following registration standards should be used in cases where the custodial relationship does not
involve a Minor:
Establish a Primary (PRI) relationship for the first person on the account and a Custodian (CUS)
relationship for the designated Custodian. The CIF and AIF records should read as follows:
CIF ELLEN T BROWN REL PRI (Personal CIF)
JAMES L BROWN SR CUS (Personal CIF)
AIF ELLEN T BROWN
CUS JAMES L BROWN SR

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REPRESENTATIVE PAYEE
Any account receiving Social Security benefits in which a Representative Payee has been appointed
should be titled with the owner’s name on the first line and any named Representative on line two (2).
Process for establishing a Representative Payee account:
 A Primary (PRI) relationship should be established for the individual.
 A Rep/Payee (REP) relationship should be established for the court appointed Representative Payee.
 A comment is to be added to the CIF Comment section of the Primary’s CIF record stating that
only the Representative (REP) has access to the funds. The Primary (PRI) cannot access the
funds.
CIF and AIF records should read as follows:
CIF JOHN DOE REL PRI (Personal CIF)
MOM DOE REP (Personal CIF)
AIF JOHN DOE
REP MOM DOE
SUNNY DALE NURSING HOME REP (Business CIF)
AIF JOHN DOE
REP SUNNY DALE NURSING HOME
Nursing homes and other institutions that are Representative Payees can have a special account for
direct deposits received for their clients who are social security beneficiaries. The AIF and CIF records
CIF BABCOCK CENTER INC. REL PRI (Business CIF)
AIF BABCOCK CENTER INC REP PAYEE
FOR SOCIAL SECURITY BENEFICIARIES (Tax ID of REP PAYEE)
GEORGIA PUBLIC DEFENDER STANDARDS COUNCIL (GPDSC)
The Court will be Primary on CIF with their EIN and Primary on AIF with the EIN of the GPDSC. The EIN
for the GPDSC is 58-2058560. AIF will also have an account identifier of GPDSC ACCT. The CIF and
CIF MARION COUNTY MAGISTRATE COURT REL PRI (Business CIF with Court’s EIN)
AIF MARION COUNTY MAGISTRATE COURT (GPDSC’S EIN 582058560)
GPDSC ACCT
INDIVIDUAL ACCOUNTS
When establishing Individual accounts, a Primary (PRI) relationship should be established for the
principal party or account owner.

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Do not use account titles such as MRS JOHN DOE on CIF. The client’s legal name (i.e., MARY DOE)
should be used.
Courtesy greetings such as Mr., Mrs., and Miss should be entered in the greeting field on the CIF record.
Greetings will carry over from the CIF record to the AIF record on new account openings. If a greeting is
desired on the account title, for an existing account, it must be entered on the CIF and also on the AIF
record.
Compliments such as Jr., Sr., etc. must be entered as applicable and should be entered in the
"Compliment" field on the CIF record. Compliments will carry over to the AIF record at new account
opening. If a compliment is added after an account is opened each AIF record will need to be updated
after the compliment is added to the CIF record.
Refer to BOM section C-377 - CIF/Compliments and Greetings to view a list of Greetings and
Compliments to be used for input on the CIF System when registering personal clients.
Personal names should not be abbreviated (i.e., WM for WILLIAM or CHAS for CHARLES).
IOLTA ACCOUNTS (INTEREST ON LAWYERS TRUST ACCOUNTS)
IOTA ACCOUNTS (APPLICABLE FOR FLORIDA ONLY)
Refer to the appropriate BOM section applicable to the state of operation to view additional Interest on
Lawyers Trust Accounts (IOLTA/IOTA) procedures.
Alabama
Florida
Georgia
Indiana
Kentucky
Maryland
New Jersey
North Carolina
Ohio
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
West Virginia
IRA ACCOUNTS (INDIVIDUAL RETIREMENT ACCOUNT)
There are four (4) different types of IRA formats.
1. The first type of IRA format is an Education IRA. When establishing an Education IRA, a Primary
(PRI) relationship should be established for the Minor, a Custodian (CUS) relationship for the parent
or Guardian, (i.e., the responsible individual), and a Contributor (CTB) relationship should be
established for the Contributor (if the Contributor is a different person than the Custodian). If the
Custodian and Contributor is the same person, establish only a Custodian relationship on CIF.

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The Coverdell Education Savings (ESA) IRA CIF set up has three (3) names to establish
relationships for, they are:
PRI (Name of child – Beneficiary)
CUS (Name of parent or Guardian, i.e., the responsible person)
CTB (Name of Contributor – if same as CUS, the Contributor would not be related on CIF)
The Coverdell Education Savings (ESA) IRA AIF set up has three (3) names to establish
relationships for, they are:
BNF (Name of child – Beneficiary)
CUS (Name of parent or Guardian, i.e., the responsible person)
CTB (Name of Contributor – even if same as CUS)
Example when the Custodian (CUS) and Contributor (CTB) is the same person:
CIF JASON M BARKLEY REL PRI (Personal CIF)
KEITH A BARKLEY CUS (Personal CIF)
AIF BNF JASON M BARKLEY (Use Jason’s SSN)
CUS KEITH A BARKLEY
CTB KEITH A BARKLEY
Example when the Custodian (CUS) and Contributor (CTB) are different people:
CIF SAVANNAH DELANEY LOVE REL PRI (Personal CIF)
LELA M LOVE CUS (Personal CIF)
MARGARET H MARTIN CTB (Personal CIF)
AIF BNF SAVANNAH DELANEY LOVE (Use Savannah’s SSN)
CUS LELA M LOVE
CTB MARGARET H MARTIN
2. The second type of IRA format is as follows:
CIF JANE DOE REL PRI (Personal CIF with SSN)
AIF JANE DOE (Use Jane’s SSN)
3. The third type of IRA format is as follows:
CIF JOHN DOE REL PRI (Personal CIF with SSN)
AIF JOHN DOE (Use John’s SSN)
BNF OF JANE DOE
4. The fourth type of IRA format is as follows:
CIF BARBARA SULLIVAN REL PRI (Personal CIF with SSN)

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AIF EST OF BARBARA SULLIVAN (Estate TIN)
BNF OF BARBARA SULLIVAN
JOINT ACCOUNTS
When establishing Joint accounts, a Primary (PRI) relationship should be established for the first person
on the account. All other individuals on the account should be established as Secondary (SEC).
Do not use account titles such as MRS JOHN DOE; her actual legal name (i.e., MARY DOE) should be
used. Example: MRS MARY DOE.
LEGAL CORPORATION (LC)
Law firms and one (1) or more individuals, each of whom is licensed to practice law, may organize as
legal corporations. The corporate name shall contain the words “Legal Corporation” or the abbreviation
“LC”. The CIF and AIF records should read as follows:
CIF SMITH JONES & DOE LAW FIRM LC REL PRI (Business CIF)
AIF SMITH JONES & DOE LAW FIRM LC (EIN of Primary)
CIF BROWN & WHITE LEGAL CORPORATION REL PRI (Business CIF)
AIF BROWN & WHITE LEGAL CORPORATION (EIN of Primary
LIMITED LIABILITY COMPANIES (LLC), LIMITED LIABILITY PARTNERSHIPS (LLP), LIMITED
LIABILITY LIMITED PARTNERSHIPS (LLLP) ACCOUNTS
Limited Liability Companies (LLC), Limited Liability Partnerships (LLP), and Limited Liability Limited
Partnerships (LLLP) accounts should be opened similar to partnership and corporation accounts with the
exception that LLC, LLP, or LLLP (whichever is applicable) must appear on the CIF and AIF. The CIF
CIF CROSSROADS WHOLESALE LLC REL PRI (Business CIF with TIN)
AIF CROSSROADS WHOLESALE LLC (TIN of Business)
CIF JOHNSON & JOHNSON LLP REL PRI (Business CIF with TIN)
AIF JOHNSON & JOHNSON LLP (TIN of Business)
CIF BENTON & JONES LLLP REL PRI (Business CIF with TIN)
AIF BENTON & JONES LLLP (TIN of Business)
An LLC with a single owner (sole member) using the Social Security Number (SSN) of the owner of the
LLC when opening an account will be set up as a DBA account. The owner will be related as the PRI and
the LLC will be related as DBA. The LLC CIF Record should not carry the SSN of the owner.
MANAGEMENT CONSULTING LLC DBA (Business CIF)

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AIF JOHN DOE (SSN of Primary)
DBA MANAGEMENT CONSULTING LLC
An LLC can be set up as an LLC DBA another business or LLC account when the LLC is using the SSN
of the owner. The following standard will be used:
DOE ENTERPRISES LLC DBA (Business CIF)
J D UNLIMITED DBA (Business CIF)
DBA DOE ENTERPRISES LLC
DBA J D UNLIMITED
PARTNERSHIP REQUIREMENTS
Listed below are the three (3) types of Limited Partnerships:
 LIMITED PARTNERSHIPS - In all states these Partnerships must be registered. Each is required to
have LP or Limited Partnership or Ltd. Partnership after its name.
 LIMITED LIABILITY PARTNERSHIP - In all states these Partnerships must be registered. Each is
required to have LLP or Limited Liability Partnership after its name.
 LIMITED LIABILITY LIMITED PARTNERSHIP - This type of Partnership exists in all states except,
SC, WV, TN and AL. Each must be registered in all other states. Each is required to have LLLP or
Limited Liability Limited Partnership after its name.
PROFESSIONAL LIMITED LIABILITY COMPANY (PLLC)
When establishing a PLLC account with a Tax Identification Number (TIN), a Primary (PRI) relationship
should be established for the PLLC. The PLLC’s Tax Identification Number (TIN) should be keyed on AIF
and CIF. The CIF and AIF records should read as follows:
CIF SUPER WHOLESALE PLLC REL PRI (Business CIF with TIN)
AIF SUPER WHOLESALE PLLC (TIN of Business)
A PLLC with a single owner (sole member) using the Social Security Number (SSN) of the owner of the
PLLC when opening an account will be set up as a DBA account. The owner will be related as the
Primary (PRI) and the PLLC will be related as DBA. The PLLC CIF record should not carry the SSN of
the owner.
MANAGEMENT CONSULTING PLLC DBA (Business CIF)
DBA MANAGEMENT CONSULTING PLLC

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LOAN ACCOUNTS
BUSINESS LOAN ACCOUNTS (BLA) AND CONSUMER LOAN ACCOUNTS (CLA)
The AIF of a BLA/CLA can have an additional name(s); however a secondary name will not be and
should not be related on CIF. Each client should have his/her own customer number and be related as
Primary (PRI).
Example A:
AIF JOHN DOE
MARY DOE
CIF MARY DOE REL PRI (Personal CIF)
AIF MARY DOE
Example B:
AIF JOHN DOE
STEVENSON MAZDA DAEWOO
A Business Loan (BLA) can be set up as a DBA account, sole proprietorship or a business doing
business as a business. Use normal procedures for DBA account for a BLA.
CIF JANE DOE REL PRI (Personal CIF)
DOE CPA SERVICES DBA (Business CIF)
AIF JANE DOE (Jane Doe’s SSN)
DBA DOE CPA SERVICES
A Consumer Loan (CLA) can be set up as a DBA account, sole proprietorship or a business doing
business as a business on AIF titling only. Effective October 13, 2008 a DBA relationship cannot be
added to the CIF of a CLA account.
Example:
AIF JOHN DOE (John Doe’s SSN)
DBA DOE ENTERPRISE
COLLATERAL RESERVE ACCOUNT (TYPE 121)
Refer to BOM section A-129B - Account Opening-Business/Client Identification Program (CIP) to view

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Refer to Collateral Reserve Accounts Standards to view the Standards.
LOTTERY ACCOUNTS
Refer to the appropriate BOM section applicable to the state of operation to view additional Lottery
Account procedures.
Alabama
Florida
Georgia
Indiana
Kentucky
Maryland
New Jersey
North Carolina
Ohio
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
West Virginia
MARYLAND AFFORDABLE HOUSING (MAHT) ACCOUNTS
Refer to BOM section M-308 - Maryland Affordable Housing Trust Accounts (MAHT) to view additional
procedures.
ONLINE BANKING ACCOUNTS
Online Banking Accounts are keyed on the CIF system by the financial centers establishing a primary
(PRI) relationship for the individual or company. Refer to BOM section O-525 - OnLine Banking to view
PENSION/PROFIT SHARING PLAN TRUST ACCOUNTS
There are different ways that Pension/Profit Sharing Plan Trust accounts are set up. Use the following
standards:
Pension/Profit Sharing Plan Trusts that do not have a different Tax Identification Number (TIN) from that
of the CIF record for the business, follow this process:
Establish a Business CIF record for the business, omitting all legal wording or designation of funds, using
the business’ assigned Tax Identification Number (TIN). Relate that business as Primary (PRI) to the
account. Establish a Trustee (TTE) relationship for the designated Trustee(s). The CIF and AIF records

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CIF BARRINGER BREWING CO REL PRI (Business CIF with TIN)
JOHN A DOE TTE (Personal CIF with SSN)
AIF BARRINGER BREWING CO (TIN of Business)
TTE JOHN A DOE
PENSION PLAN U/A DATED 06/07/2015
CIF SMITH CANNING CO REL PRI (Business CIF with TIN)
E T SMITH TTE (Personal CIF with SSN)
L J WOOD TTE (Personal CIF with SSN)
AIF SMITH CANNING CO (TIN of Business)
TTE E T SMITH OR L J WOOD
PROFIT SHARING PLAN ACCT
If the plan has an assigned Tax Identification Number, establish a Business CIF for the plan. Relate the
plan as Primary (PRI) to the account. Establish a Trustee (TTE) relationship for the designated
Trustee(s). The CIF and AIF records should read as follows:
CIF BARRINGER BREWING CO PENSION PLAN REL PRI (Business CIF/TIN of Pension Plan)
JOHN A DOE TTE
AIF BARRINGER BREWING CO PENSION PLAN (TIN of Pension Plan)
TTE JOHN A DOE
U/A DATED 06/07/2015
CIF SMITH CANNING CO PROFIT SHARING PLAN REL PRI (Business CIF/TIN of Pension Plan)
E T SMITH TTE (Personal CIF with SSN)
L J WOOD TTE (Personal CIF with SSN
AIF SMITH CANNING CO PROFIT SHARING PLAN (TIN of Pension Plan)
TTE E T SMITH
TTE L J WOOD
PRENEED FUNERAL PLAN ACCOUNTS
Refer to Preneed Funeral Savings-CD Account Standards to view the Preneed Funeral Savings/CD
Accounts Standards.
Preneed Funeral accounts are opened by the funeral home on behalf of a Beneficiary for the purpose of
making arrangements for payment of burial expenses. Each funeral home is assigned a number that is
specific to that funeral home.
Refer to the Preneed Funeral Savings/CD Accounts BOM sections to view the applicable state’s
procedures.
Alabama
Florida
Georgia
Indiana

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Kentucky
Maryland
New Jersey
North Carolina
Ohio
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
West Virginia
USDA (UNITED STATES DEPARTMENT OF AGRICULTURE) RURAL DEVELOPMENT (FORMERLY
FARMERS OR FEDERAL HOME ADMINISTRATION – FHA) ACCOUNTS
The Rural Development Program provides an outlet for households in rural areas that may not have
special housing assistance programs available in urban areas. This program allows BB&T another
opportunity to provide affordable housing to moderate income households. When establishing a Rural
Development account, a Primary (PRI) and/or Secondary (SEC) relationship should be established for the
individual(s) on the account. A Secondary (SEC) relationship should be established for the Rural
Development. Rural Development accounts cannot be set up as DBA accounts. The CIF and AIF
MARY DOE SEC (Personal CIF with SSN)
RURAL DEVELOPMENT SEC (Business CIF with TIN)
AIF JOHN DOE (Primary’s SSN)
MARY DOE
RURAL DEVELOPMENT
TRUST ACCOUNTS
BANKRUPTCY ACCOUNTS
Refer to Bankruptcy Accounts Standards to view the Standards.
Refer to BOM section B-227 - Bankruptcy to view additional procedures.
ESTATE TRUST ACCOUNTS
Refer to Estate Account Standards to view the Standards.
Estate accounts are opened for the purpose of settling a descendant’s estate. A Business CIF record
should be established for the Estate with its assigned business Tax Identification Number (TIN). A
Primary (PRI) relationship should be established for the Estate. A Personal CIF record should be
established for each designated Trustee(s) using their Social Security Number (SSN). A Trustee (TTE)
relationship should be established for each designated Trustee. The CIF and AIF records should read as
follows:

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CIF EST OF ALICE WILLIAMS TRUST REL PRI (Business CIF with TIN)
THOMAS WILLIAMS TTE (Personal CIF)
AIF EST OF ALICE WILLIAMS TRUST (TIN of Trust)
TTE THOMAS WILLIAMS
§ 1031 TAX DEFERRED EXCHANGE ACCOUNTS
Refer to BOM section T-101 - § 1031 Tax Deferred Exchange Accounts to view the procedures.
QUALIFYING INCOME TRUST (QIT) ACCOUNT – ALSO KNOWN AS MILLER TRUST
Qualifying Income Trusts (QIT) aka “Miller” Trusts are special bank accounts opened with the income (not
resources) of the person needing Medicaid coverage. This person, the potential Medicaid recipient, is the
Beneficiary of the Trust. A Trust document must be signed by the Beneficiary and the person the
Beneficiary names as the Trustee. The Trustee will oversee the account, and only the Trustee will be
allowed to draw money from the account. The Trust document must be submitted to the case worker at
the Department for Medicaid Services. The QIT must be irrevocable, meaning that the Beneficiary, or the
person who set up the trust, cannot change it or end it. The law provides that the trust can end only at
the Beneficiary’s death, at which time any funds remaining in the account will be paid over to DMS, up to
the amount of all un-reimbursed Medicaid expenditures for the Beneficiary.
A legal written agreement (Summary of Trust/Letter of Instruction) must be obtained from an attorney by
the client in order to open a QIT trust account. This Letter of Instruction should include the name of the
trust, the primary owner’s name, the SSN or TIN for the Trust and the name of the Trustee. BB&T
requires the BB&T Trust Certification form, which provides the name of the trust, the Trustee, and the TIN
used on the account. A new account must be established. Existing accounts cannot be converted to a
trust. BB&T does not serve as trustee and BB&T does not monitor these types of trust accounts. An
account cannot be opened if the letter from the attorney indicates that BB&T is named as Trustee
or the letter states that BB&T must monitor the account. It is the Trustee’s responsibility to abide by
any regulations set forth in the legal Trust.
CIF SALLY SMITH QUALIFYING INCOME TRUST REL PRI (BUSINESS CIF USING SSN OF SALLY)
JOHN SMITH TTE (Personal CIF)
AIF BNF SALLY SMITH QUALIFYING INCOME TRUST (SSN of Sally Smith)
TTE JOHN SMITH
U/A DATED 06/07/2015
OTHER TRUST ACCOUNTS
Trust accounts may be opened using either the Tax Identification Number (TIN) assigned specifically to
the trust or the Social Security Number (SSN) assigned to the person whose name appears in the Trust
name. Use the information provided by the Trustee on the BB&T Trust Certification. The following
registration standards should be used when opening "Trust" accounts using a Social Security Number
(SSN) rather than a Tax Identification Number (TIN). Establish a Primary (PRI) relationship for the Trust
and a Trustee (TTE) relationship for the designated Trustee(s).

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If the PRI/TTE (individual) is living and a Social Security Number (SSN) is being used, the CIF and AIF
CIF CHARLES SMITH REL PRI (Personal CIF)
JANE SMITH TTE (Personal CIF)
AIF TTE CHARLES SMITH OR JANE SMITH (SSN of Charles Smith)
CHARLES SMITH IRREVOCABLE TRUST
U/A DATED 06/07/2015
Branch associates may abbreviate Under Agreement (U/A). The agreement date should always be
formatted as example - MM/DD/YYYY (using the four (4) digit year date), on all trust accounts unless
there are space limitations.
If the trust account has two (2) Trustees (TTE) on the account and if there is no agreement date, use two
(2) name lines for the two (2) Trustees (TTE).
If the trust account has more than two (2) Trustees on the account and there is a need to use more than
one (1) name line to list the Trustees (TTE), the CIF and AIF records should read as follows:
CIF FRANK SOLES REL PRI (Personal CIF)
JENNIFER SMITH TTE (Personal CIF)
VIRGINIA CARRY TTE (Personal CIF)
AIF TTE FRANK SOLES
TTE JENNIFER SMITH OR VIRGINIA CARRY
SOLES IRREV TRST - U/A DTD 06/07/2009
Branch associates may abbreviate revocable (REV), irrevocable (IRREV), dated (DTD) and trust (TRST)
when necessary due to space limitations. Use best judgment when using abbreviations due to space
limitations.
TRUST ESTABLISHED USING A SOCIAL SECURITY NUMBER
When a Trust is using the Social Security Number (SSN) of an individual on AIF and assigns a Trustee
(TTE), do not assume the primary person (PRI) is a TTE. The CIF and AIF records should read as
follows and would be the exception to the rule:
Example when primary person IS NOT the Trustee:
CIF JOHNNY JONES TRUST REL PRI (Business CIF with SSN)
DEBBIE JONES TTE (Personal CIF with SSN)
AIF JOHNNY JONES TRUST (SSN of Johnny Jones)
TTE DEBBIE JONES
U/A DATED 12/02/2014
Example when primary person IS the Trustee:
CIF WILLARD SMITH REL PRI (Personal CIF with SSN)

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AIF TTE WILLARD SMITH (SSN of Willard Smith)
WILLARD SMITH TRUST
U/A DATED 12/02/2014
BUSINESS TRUST ESTABLISHED USING A SOCIAL SECURITY NUMBER (SSN)
A business trust can be established for a client or clients using the social of one of the client’s. This
would apply to trusts that do not require a TIN such as living trusts, revocable trusts, family trusts, etc. As
long as the trustee is living, the SSN can be used. If it is a joint trust, the SSN of the first person in the
name of the trust should be used for reporting purposes.
A primary (PRI) relationship would need to be established for the business CIF and a trustee (TTE)
relationship for the designated Trustee(s).
The example below is using the business trust CIF.
AIF THE SALLY SMITH LIVING TRUST (SSN of SALLY SMITH)
TTE SALLY SMITH
U/A DATED 05/23/2015
CIF THE SALLY SMITH LIVING TRUST REL PRI (Business CIF)
SALLY SMITH TTE (Personal CIF)
AIF THE JONES FAMILY LIVING TRUST (SSN OF TTE)
TTE ROBERT JONES
U/A DATED 01/27/2015
CIF THE JONES FAMILY LIVING TRUST REL PRI (SSN OF TTE)
ROBERT JONES TTE (Personal CIF)
AIF CHARLES SMITH & JANE SMITH REV LIVING TRUST (SSN of Charles)
TTE CHARLES SMITH OR JANE SMITH
U/A DATED 06/12/2015
CIF CHARLES SMITH & JANE SMITH REV LIVING TRUST REL PRI (SSN of Charles)
CHARLES SMITH TTE (SSN of Charles)
JANE SMITH TTE (SSN of Jane)
TRUST ESTABLISHED UNDER A WILL
Establish a business CIF record for the trust, using the Trust’s Tax Identification Number (TIN), and relate
that CIF record as Primary (PRI) to the account. Establish a Trustee (TTE) relationship for the designated
Trustee. Abbreviate Under Will (U/W). The date of the trust must be entered. The CIF and AIF records
CIF JAMES W SMITH TRUST REL PRI (Business CIF)
MELISSA D WILSON TTE (Personal CIF)
AIF JAMES W SMITH TRUST (TIN of the Trust)
TTE MELISSA D WILSON
U/W OF JAMES W SMITH DTD 12/02/2014

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TRUST ESTABLISHED UNDER A COURT ORDER
Abbreviate Under Court Order (U/CT). The date of the trust must be entered. The CIF and AIF records
CIF JANE E DOE REL PRI (Personal CIF)
JOHN A DOE TTE (Personal CIF)
AIF JANE E DOE (SSN of Primary)
TTE JOHN A DOE
U/CT ORDER DTD 12/02/2014
JOINT CHECKING ACCOUNTS CONVERTING TO TRUST
A client provides documentation from an attorney (such as a Letter of Instruction or a Summary of Trust)
in order to convert to a Trust account. A Letter of Instruction or a Summary of Trust is required if the
client does not know how the account must be titled. The branch associate must not keep copies of
the Trust documents provided by the client. The branch associate is not responsible for holding
or reading the entire Trust Agreement when a client requests to convert an account.
If an existing joint checking account is changing to a Trust (Living Trust, Revocable, Family, etc.) both of
the clients must be considered Trustees (TTE) and the trust name must include both of their names in the
name of the Trust.
If the client is trustee of his/her own trust and using his/her SSN, the primary owner is the personal CIF of
the client to whom the SSN belongs to. Consent from all joint owners is required to convert the joint
account into a Trust account.
The branch associate must complete a BB&T Trust Certification for all existing accounts converting to a
Trust account. The BB&T Trust Certification must be signed by the Trustee(s) and filed in a centralized
permanent branch file. The completion of this form is required even if the client provides a “Letter of
Instruction” or a “Summary of Trust.”
The branch associate must complete the CIF Account Relationship to request the relationship change of
the consenting account owner. CIF Administration will change the relationships of the new trustees.
Before:
SALLY DOE SEC (Personal CIF)
AIF JOHN DOE
SALLY DOE
After:
SALLY DOE TTE (Personal CIF)

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