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What You'll Need

A wide variety of loan options to meet your needs.
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Personal Account

  • Government-issued ID
  • Social Security Number
  • Valid Address

Business Account

Business Documents LLC Partnership Corporation Organization
Signers Valid ID(s) X X X X
Meeting Minutes Authorizing Account       X
Bylaws/Operating Agreement If one exists If one exists X  
Partnership Agreement   X    
Government Documents LLC Partnership Corporation Organization
Employer Identification Number (EIN)1 If one exists X X X
Proof of Active Business2 X X X  
Articles of Incorporation/Organization2 X X X  
1. Sometimes sole proprietorships will be listed on personal tax return.
2. Found on Lara Website.
 

Special Accounts

A general rule would having the following handy for account opening:
  • Government-issued ID
  • Social Security Number
  • Valid Address
For HSAs, account holders must have a high deductible health plan. Check with your provider to make sure you qualify. 
 

Add New Product or Service

Since you're already an Embers member, we have all we need on file to add savings, checking, certificate, etc. Just have your opening deposit or available funds in your existing account to open an additional service or product.
 

Add or Change Signers

Adding a Joint Account Owner:
  • Government-issued ID
  • Social Security Number
Adding a Beneficiary:
  • Government-issued ID
  • Social Security Number
  • Beneficiary's Address
Adding/Updating an Authorized Signer:
  • Meeting minutes from organization/business meeting.
 

Card Services

  • Please have your card number handy for phone appointments, and be prepared to answer questions that help us identify you.
 

Digital Banking Services 

  • Please have your compatible device that allows you to access the Embers Digital Banking platform handy. 
  • Have your log in credentials handy. 
 
Other Account Services
Wire Transfer Information
To complete a wire transfer, have the below information handy:
Receiving Institution's:
  • Name
  • Routing Number
  • Physical Address
  • Phone Number
Receiving Party's:
  • Name
  • Account number
  • Physical Address
  • Phone Number
 

Home Equity Loan

  • Valid ID
  • 2 Years of W2s
  • 2 Years of Federal Tax Returns (If self-employed)
  • 2 Current Paystubs from all employment.
  • Home Owners Insurance policy with annual premium.
 

Mortgage Purchase

  • Valid ID
  • 2 Years of W2s
  • 2 Years of Federal Tax Returns (If self-employed)
  • Paystubs of the past 30 days
  • 2 Months of bank and investment statements - All Pages
 

Mortgage Refinance

  • Valid ID
  • 2 Years of W2s
  • 2 Years of Federal Tax Returns (If self-employed)
  • Paystubs of the past 30 days
  • 2 Months of bank and investment statements - All Pages
  • Mortgage statement from current lender
  • Proof of homeowners insurance
  • Current property tax statement
 

Mortgage Construction

  • Valid ID
  • 2 Years of W2s
  • 2 Years of Federal Tax Returns (If self-employed)
  • Paystubs of the past 30 days
  • 2 Months of bank and investment statements - All Pages
  • Home owners insurance policy with annual premium
  • Contract to build
  • Plans and specifications 
 

Credit Card

  • Valid ID
  • Social Security Number
  • 1-2 most recent pay stubs with income to date.
 

Auto Loan

  • Valid ID
  • Vehicle Identification Number (VIN) 
  • 1-2 most recent pay stubs with income to date.
  • Social Security Number
 

Personal Loan

  • Valid ID
  • Social Security Number
  • 1-2 most recent pay stubs with income to date.
 

Other Loans 

  • Valid ID
  • Social Security Number
  • 1-2 most recent pay stubs with income to date.