Bank Notary ID Requirements: What Documents to Bring
For a bank notarization, bring the complete document and a valid, unexpired form of identification that meets your state's notary rules. A government-issued photo ID-such as a driver's license, state ID, or passport-is commonly used. Every signer should appear with acceptable identification, and required witnesses may also need ID.
Exact requirements vary by state, bank, and branch. Call the specific branch before visiting to confirm that a notary is available, your ID is acceptable, and the branch can handle your document.
What ID Should You Bring to a Bank Notary?
The notary must identify the person signing. In many situations, the safest choice is an original, current government-issued photo ID that shows your photograph, name, and other identifying information required under state law.
- State-issued driver's license
- State-issued identification card
- U.S. passport or passport card
- Foreign passport, where permitted by state law
- U.S. military identification, where permitted
- Permanent resident card or another government ID accepted under the applicable rules
This is a general list, not a guarantee that every item will be accepted. State identification rules differ, and a bank may apply additional procedures. Confirm your specific ID with the branch.
Does the ID Need to Be Unexpired?
Bring an unexpired ID whenever possible. Some states permit certain recently expired IDs, while others impose different conditions or time limits. A branch may also follow a stricter internal policy. Using a current ID reduces the chance of refusal.
The name on your ID should reasonably match the name used in the document. If your name recently changed or appears differently, call ahead and ask whether you should bring supporting documentation such as a marriage certificate, divorce decree, or court order.
What Documents Should You Bring?
- The entire document, including every non-signature and signature page
- Any instructions or notarial certificate supplied with the document
- Supporting documents required for the transaction
- Your bank card or account information if service is limited to customers
- A payment method if the bank charges a fee
Do not bring only the signature page. Missing pages or important blank spaces may prevent the notary from proceeding. Complete the document's factual information beforehand, but do not sign or date it until the notary instructs you to do so.
Do All Signers and Witnesses Need ID?
Every person whose signature will be notarized normally must appear before the notary and establish identity. If the document requires witnesses, confirm whether they must bring acceptable ID and whether the bank allows you to bring them into the appointment.
Do not assume bank employees can serve as witnesses. Some branches do not provide witnesses, and internal policies may prevent employees from taking that role. Arrange your own qualified witnesses unless the branch clearly confirms otherwise.
What If You Do Not Have Standard Photo ID?
Do not assume that a birth certificate, Social Security card, credit card, employee badge, photocopy, or digital image of an ID will be enough. These items may not satisfy the applicable identification rules by themselves.
Some states allow identity to be established through personal knowledge or credible witnesses under specific conditions. Whether that option is legally available and accepted by the branch depends on the jurisdiction and bank policy. Call first and describe your situation without asking the notary for legal advice.
Questions to Ask the Branch Before You Go
- Is a commissioned notary available at this branch?
- Do I need an appointment?
- Must I be an account holder?
- Which IDs does the notary accept?
- Can the branch notarize this type of document?
- Must witnesses attend, and does the branch provide them?
- Is there a fee?
Bank Notary vs Medallion Signature Guarantee
| Service | Purpose | What to Expect |
|---|---|---|
| Notarization | Verifies identity and performs the requested notarial act | Acceptable signer ID, complete document, personal appearance, and any required witnesses |
| Medallion signature guarantee | Used for certain transfers of securities | Separate bank service with eligibility and supporting-document requirements |
A notary seal cannot replace a medallion signature guarantee. If your form specifically requests a medallion guarantee, tell the bank that when scheduling.
When Online Notarization May Be Easier
Remote online notarization can be a practical alternative when the bank does not have a notary available, you are not an account holder, or visiting a branch is inconvenient. You submit the complete file, verify your identity, meet the notary in a live video session, and receive the notarized document electronically.
Online platforms also require acceptable identification. Before proceeding, confirm that your document is eligible and that the receiving person or agency accepts remote online notarization and an electronic notarized file.
How Much Does an Online Notary Cost?
Notary20 offers eligible remote online notarization for $20 per document. For a broader comparison of common prices, read our online notary cost guide.
Start Your Online Notarization
If the bank cannot accept your ID or document and your recipient allows remote notarization, you can complete an eligible notarization from home.
FAQ
Can I use a driver's license for a bank notary?
A valid state-issued driver's license is commonly used, but acceptance depends on state requirements and branch policy. Confirm before visiting.
Can I use a passport instead?
A current passport is commonly accepted, although the exact rules differ by state and institution. Ask the branch whether your passport qualifies.
Can I show a photo of my ID on my phone?
Do not rely on a photo or photocopy. Bring the original physical ID unless the branch explicitly confirms another legally permitted method.
Should I sign the document before going to the bank?
Usually, it is safest to wait. Some signatures must be made in the notary's presence. Complete other required information, but sign only when instructed.
Do I need proof that I am a bank customer?
Possibly. Some banks limit or prioritize notary services for customers, so bring your bank card or account information and confirm the policy beforehand.