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Bank Reference Form Template

Easily Obtain Essential Banking References

Struggling to confirm a client's banking history? This Bank Reference Form Template is designed for financial institutions that need to assess a prospective client's past banking experience. By using this template, you can streamline your verification process, build trust with your clients, and ensure compliance with banking standards. It allows you to gather accurate references, maintain organized records, and expedite credit assessments. Get started by using the live template today and enhance your client onboarding experience.

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Purpose of this bank reference request
Trade credit evaluation
Lease/tenant screening
Account opening due diligence
General reference
Other
Please Specify:
Applicant legal name
Applicant account number at your institution (last 4 digits only)
Relationship to your institution
Current customer
Former customer
No record found
Prefer not to say
Account type(s) held
Please Specify:
Account status
Active
Dormant
Closed
No record
Unknown
Typical average balance
Less than $1,000
$1,000 - $4,999
$5,000 - $24,999
$25,000 - $99,999
$100,000 or more
Unknown / Not disclosed
Not applicable
Incidents of overdraft or NSF in the past 12 months
0
1-2
3-5
More than 5
Unknown / Not applicable
Any legal holds, restrictions, or compliance flags on the account
Yes
No
Unknown
Does the applicant have any loans or credit facilities with your institution
Yes
No
Unknown
Status of any loan or credit obligations
None
In good standing (current)
Past due 1-30 days
Past due 31-60 days
Past due over 60 days
Charged off / Collections
Unknown / Not applicable
Payment history over the past 12 months
Always on time
Mostly on time (1-2 late payments)
Occasionally late (3-5 late payments)
Frequently late (more than 5 late payments)
No credit facility
Unknown
Overall assessment of the applicant's account conduct
Poor
Below average
Average
Good
Exceptional
Do you have the applicant's written authorization to release this information
Yes
No
Unknown
Disclosure limitations applicable to this reference
No restrictions
May disclose deposit relationship only
May disclose credit relationship only
May disclose dates only
Do not disclose balances
Do not disclose credit details
Other / see comments
Financial institution name
Representative full name
Title or position
Phone number
Email address
Branch or office
Typed signature (enter full name)
Date signed
Additional comments or context for this reference
I certify that the information provided is accurate to the best of my knowledge and provided in accordance with applicable laws and the applicant's authorization
Strongly disagree
Disagree
Neither
Agree
Strongly agree
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paper art illustration featuring a bank reference form template for FormCreatorAI article

When to use this form

Use this template when you need a reference from a bank to judge creditworthiness, payment reliability, or account standing. It helps you vet new B2B customers before offering net terms, review suppliers seeking higher limits, or screen tenants for a commercial lease. Lenders and nonprofits also use it to confirm a grantee or borrower is financially stable. The structured questions speed up replies and give you consistent, comparable data for risk review. For balances and account activity, you can pair it with the Verification of deposit form. To confirm account ownership and status, add the Bank verification form to your workflow.

Must Ask Bank Reference Questions

  1. How long has the applicant held their primary account, and is it open and in good standing?

    Tenure and status signal stability and reduce default risk. A long, active history supports higher limits and faster approvals.

  2. What are the average and current balances over the past six months?

    Trends show cash flow, not just a snapshot, which helps you size credit or deposits. Use this to set prudent terms and spot seasonal swings.

  3. Have there been any returned items, overdrafts, or past-due obligations in the last 12 months?

    Negative events indicate payment stress and raise collection risk. Knowing the frequency and recency supports better underwriting.

  4. What account types does the applicant maintain (checking, savings, line of credit), and are any facilities secured?

    Account mix and secured credit reveal access to liquidity and potential encumbrances. If you also need identifiers, the Bank account information form keeps details consistent.

  5. Can you confirm the legal name and address on the account, matching your records?

    Verified identity prevents fraud and supports compliance checks. When you must document due diligence, a KYC Form pairs well with this response.

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