My Bank is moving to an online account opening forum, which uses non-documentary verification methods and does not require a copy of an ID. The account opening process also does not capture the applicant/customer's signature. Before we fully deploy this platform, we're trying to determine how we will determine the first checks written from the account are legitimate as we will have no ID signature or signature agreement to compare it to. If anyone works for a FI in a similar situation, I would appreciate some guidance on how we can best protect the customer and Bank in the account's early days.

Your online account opening should incorporate the use of out-of-wallet verifications that instills a high degree of confidence that applicants are who they say they are. As far as the first checks, you will have the new account hold available to you, and I would suggest scrutinizing checks, especially those through mobile deposit and the ATM.