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You need valid ID. When you deposit an uncertified check and you don't have enough money in your account to cover it, the bank may hold the funds until the check clears. If you want to borrow money from the bank, the bank will run a credit check on you. This is to determine if you are likely to default (not make the payments)

If you deal honestly with banks, they will value your business

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Q: What are the essential condition to be full filled to be customer of a bank?
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