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What To Expect At Your Appointment

What To Bring To Your Appointment

Learn what to bring to in-office appointments for the following appointment types:
Personal Deposit Account Openings
Personal Loan Applications
Personal Loan Closings
Mortgage Loan & HELOC Applications
HELOC Closings
Business Deposit Accounts
Business Loans

Personal Deposit Account Openings

To open a personal deposit account, such as a checking account, savings account, IRA or HSA, money market, or certificate, you'll need to bring the following for each signer on the account:

  • Social security number
  • Date of birth
  • Current address
  • Phone number
  • Email address
  • A valid photo ID
  • An additional form of ID such as a social security card or health insurance card
  • An account deposit
  • If adding a beneficiary: bring that person's name and social security number

Personal Loan Applications

To apply for a personal loan, credit card, auto loan, or recreational vehicle loan, you’ll need:

  • Job history and income records for at least the last 2 years
  • Current address and address history for the last 2 years
  • Social security number
  • Date of birth
  • Phone number
  • Email address
  • A valid photo ID
  • The same above information for any additional borrowers
  • For auto or recreational vehicle loans, you’ll also need the following (or provide estimates if you’re still shopping):
    • Vehicle make, model, year, and color
    • Vehicle identification number (or serial number for non-auto loans)
    • Value/Price of vehicle
    • Mileage (or hours/other info for non-auto loans)
    • Plate number to transfer (if applicable)
    • Purchase agreement (if applicable)

Personal Loan Closings

To close on a personal loan, credit card, auto loan, or recreational vehicle loan, you’ll need:

  • A valid photo ID for each borrower
  • For all loans, any additional documents requested by a Royal team member
  • If you are purchasing an auto or recreational vehicle through a dealership and want to close at an in-office appointment instead of at the dealership, bring the purchase agreement to your appointment
  • If you are purchasing an auto or recreational vehicle from a private party, bring the following to your appointment:
    • The first and last name of the seller, the seller's address, their phone number, and the seller's date of birth if they are a Wisconsin resident (this is required by the WI DMV)
    • The agreed-upon purchase price
    • Vehicle info, including the VIN, year, make, model, body style, color, and current mileage
    • If there is a lien on the collateral: a copy of the title; payoff information, including a 10 or 15 day payoff amount, per diem or daily interest amount; the loan account number at the lienholding financial; and the name and payoff address for the lienholding financial
    • If there is no lien, the title (not a copy) will be required to be present at the closing

Mortgage Loan & HELOC Applications

For mortgage loan applications, you’ll need:

  • Completed electronic, paper, or in-person application
  • Most recent paystubs covering a 30-day period for each applicant
  • W-2 forms for most recent 2 years for each applicant
  • Most recent 2 months of account statements for any checking, savings, or retirement accounts listed on the application
  • If self-employed, most recent 2 years of tax returns with all schedules, signed and dated, including personal and business if applicable
  • If retired, 2 years of award letters from the organization providing your income, W-2 forms, 1099s or last 2 years of federal tax returns
  • For child support or maintenance, a copy of a recorded divorce decree and the most recent 12 months of account statements showing receipt of support

For construction loan applications, you’ll need:

  • Completed electronic, paper, or in-person application
  • Application fee (will be applied toward closing costs)
  • Purchase agreement on land if not included in construction contract or not previously owned
  • Most recent paystubs covering a 30-day period for each applicant
  • W-2 forms for most recent 2 years for each applicant
  • Most recent 2 months of account statements for any checking, savings, or retirement accounts listed on the application
  • If self-employed, most recent 2 years of tax returns with all schedules, signed and dated, including personal and business if applicable
  • If retired, 2 years of award letters from the organization providing your income, W-2 forms, 1099s or last 2 years of federal tax returns
  • For child support or maintenance, a copy of a recorded divorce decree and the most recent 12 months of account statements showing receipt of support
  • Additional documents and contract from the builder or general contractor that include:
    • Subject address and borrower name(s)
    • Builder’s name, address, phone, and license number
    • Total cost of construction
    • Estimated time to complete
    • Number of loan fund draws during construction
    • Statement addressing how overruns and change orders will be addressed
    • Signatures of all parties with dates
    • Documentation of plans and specifications (blueprints)
    • Cost breakdown or Royal Sworn Construction Statement signed by contractor (cost breakdown may be provided electronically)

For home equity line of credit applications, you’ll need:

  • Completed electronic, paper, or in-person application
  • If self-employed, most recent 2 years of tax returns with all schedules, signed and dated, including personal and business if applicable
  • Additional income documentation may be required for HELOCs above a certain loan-to-value ratio:
    • Most recent paystubs covering a 30-day period for each applicant
    • W-2 forms for most recent 2 years for each applicant
    • Most recent 2 months of account statements for any checking, savings, or retirement accounts listed on the application
    • If retired, 2 years of award letters from the organization providing your income, W-2 forms, 1099s or last 2 years of federal tax returns
    • For child support or maintenance, a copy of a recorded divorce decree and the most recent 12 months of account statements showing receipt of support

HELOC Closings

For HELOC closings, you'll need:

  • A valid photo ID such as a driver's license
  • Any other documents requested by your Loan Specialist

Business Deposit Accounts

For business deposit accounts, you’ll need information about your business entity, the signers on the account, and beneficial owners/control persons.

Before applying, it will help if you have this information ready about your business entity, yourself and anyone else on the account, including beneficiaries.

Business Entity Info:

  • Employer Identification Numer (EIN) or Social Security Number (SSN)
  • Type of Business Entity
  • Legal Business Name
  • Business Address
  • Business Phone Number
  • Business Email Address
  • Trade Names (Doing Business As)
  • Two Forms of Identification for the Business

Account Signer Info:

  • Social Security Number (SSN)
  • Date of Birth
  • Home Address
  • Phone Number
  • Email Address
  • Valid ID
  • Title/Position within the Business
  • Account Signer's Authority (Monetary Transactions and Non-Monetary Requests)

Beneficial Owners and 1 Control Person of Business

(If a beneficial owner has 25% or more ownership)

  • Social Security Number (SSN)
  • Name
  • Date of Birth
  • Home Address
  • Valid ID
  • Identity of the one business control person
  • Percentage of Ownership for each beneficial owner - more information on beneficial owners

Business Loans

  • Required information varies depending on the type of loan and type of business
  • You’ll need to provide detailed business and personal information
  • You may also need to provide complete federal tax returns for the business and owners on the application