Submit a savings account application

Use this submission flow to register and submit customer requests for savings accounts. This flow guides CSR managers through all required stages, from application initiation and customer identification to product selection, agreement signing, and account activation.

Create a savings account application

A savings account application can be created either automatically during a customer consultation or manually, depending on the CSR workflow.

• Automatic creation during consultation — when working with a customer in the "Consultation center" sidebar, the savings account application is generated automatically as part of the consultation flow.
• Manual creation — a CSR can create a savings account application directly from the Applications section, CSR homepage, or CSR desktop without starting a consultation.

Create an application automatically

1. Open the "Consultation center" sidebar.
2. Search for the customer using identity, phone, or financial data.
3. Start a consultation session.
4. Select the theme. For this example, select the "Savings accounts" theme in the "Bank account opening" field group.
5. Verify the customer identification data, including available identification documents and identification history.
6. Click Confirm to complete identification or Reject to specify the rejection reason if identification fails.

As a result, if the identification is confirmed, Creatio automatically starts the savings account application and opens it at the "Customer details" stage. Part of the data on this page is populated automatically based on the customer identification results. If the identification is rejected, the application process does not start.

note

Customer identification is required at the start of the consultation. The savings account application cannot proceed until the customer is successfully identified.

Create an application manually

1. Open the Applications section.

2. Click New.

3. Fill out the mini page:

   Field name	Field value
   Contact	Select the customer.
   Product category	Select product category. For this example, select "Deposit accounts."
   Product type	Select product type. For this example, select "Savings accounts & money market accounts."
   Product	Select the required savings account product.

4. Click Save.

As a result, Creatio creates an application record and opens it at the "Customer details" stage. Part of the data on this page is populated automatically.

note

When initiated this way, customer identification is not performed automatically. The application can be submitted without running the identification procedure.

Process a savings account application

1. Customer details stage

At this stage, the CSR completes the customer's identity, personal, contact, address, and employment information using multiple field groups on the Customer details tab of the Application submission page. Most of these field groups are required and must be completed to proceed to the next application stage.

Add identity documents

This field group contains documents used to identify the applicant.

note

At least one active identity document is required to proceed to the next stage.

If the customer was identified during the consultation, identity documents are created automatically and linked to the application. Otherwise, add the documents manually. To do this:

1. Click in the Identity documents expanded list to add a new document.
2. Select the document class (for example, "Passport," "Driver's license," "ID card," "Residence permit"). This opens the document mini page.
3. Fill out the document properties. The available document properties depend on the selected document class.
4. Upload the attachment. The attachment is a scanned copy or electronic image of the identity document that confirms the provided information.
5. Click Save.

Enter personal and contact data

This field group contains the applicant's core personal and communication information.

When the application is started from a consultation, the following data is populated automatically based on customer identification results and profile data:

• Identity documents — created automatically and linked to the application if the customer was identified during the consultation.
• Personal data (first name, last name, middle name, former name, SSN, citizenship, birth date, birthplace, gender, marital status, number of dependents, social status, education) — populated from customer identification results and customer profile data.
• Communication options (phone numbers and email addresses) — populated from the customer profile, if available.

Otherwise, enter the data manually.

Enter address and employment data

These field groups contain the applicant's residence, registration, mailing, and employment information.

When the application is started from a consultation, the following data is populated automatically based on customer identification results and profile data:

• Residence address — populated from the customer profile, if available.
• Registration address and mailing address — populated automatically from the residence address when the Same as primary address checkbox is selected. If the addresses differ, clear the checkbox and enter the addresses manually.
• Primary place of employment and employment address — populated from the customer profile, if available.

Otherwise, enter the data manually.

To move to the next stage:

1. Review the automatically populated fields and update them if required.
2. Fill out Residence address if it is not available in the customer profile.
3. Clear the Same as primary address checkbox and fill out the Registration address and Mailing address if they differ from the residence address.
4. Verify contact details with the customer.
5. Click Next stage.

As a result, Creatio validates the entered data and moves the application to the "Product details" stage.

2. Product details stage

At this stage, the CSR specifies product-specific information, including application parameters and required documents, using the Product details tab of the Application submission page. Creatio sets the Product category to "Deposit accounts" and the Product type to "Savings accounts & money market accounts" automatically.

Select the product

The Product field group contains information about the selected savings account product. If the product was not specified during application creation, select the required product manually.

After the product is selected, Creatio pulls application parameters and required documents from the active product conditions. Each product can contain its own set of parameters and required documents, which the system generates automatically.

Fill out application parameters

Use the Application parameters field group to specify the account conditions.

note

Parameters that are prefilled in the product configuration are not editable.

The following application parameters are populated automatically based on the selected product and product condition and are not available for editing:

• Daily POS limit
• Minimum required balance
• Withdrawal limit
• Annual percentage yield (APY), %
• ATM withdrawal limit
• POS limit
• Interest rate, per year, %
• Monthly fee
• Multicurrency enabled
• Issue debit card
• Currency
• Card categories
• PayPass / PayWave enabled
• Interest payout frequency

If the Issue debit card parameter is set to "Yes," Creatio creates a card record at the "Settled" stage. The card is linked to the bank account record and contains the selected parameters.

The Payment system field must be filled in manually. Select the payment system from the list.

Upload required documents

In the Required documents expanded list, generate and upload all documents required for the selected product.

To do this:

1. Click Generate to create the list of required documents.

2. Review the generated documents:

   • If an active document of the required class already exists for the contact, it is linked automatically and its status is set to "Active."
   • If no document exists, the document is created with the "Not uploaded" status.

3. For each document with the "Not uploaded" status:

   1. Select the document record to open the attachment area. The attachment area is displayed on the right side of the page.
   2. Upload the required files. The document status changes to "Active" automatically.

4. Repeat the steps for all required documents.

5. Verify the documents statuses. All required documents should have the "Active" status.

6. Click Submit.

As a result, Creatio validates the entered data. If all application parameters are filled in and all required documents are active, the application moves to the next stage. All customer data entered in the application is copied to the customer profile, and the application status changes to "Submission." Otherwise, the system prevents submission and highlights missing or incomplete data. The application remains in the current stage until all required parameters and documents are completed.

3. Agreement & Signature stage

At this stage, the CSR collects all documents required for signing. Creatio runs the KYC process to verify the applicant's identity and compliance, then automatically creates a contract record and generates the list of required signing documents based on the selected product and application parameters. All generated documents are linked to the contract and initially have the "Not uploaded" status.

Creatio runs the "Initiate KYC for application" process to verify the applicant's identity and compliance with regulatory requirements.

If an active KYC evaluation already exists for the contact, it is linked automatically to the application and reused. Otherwise, Creatio creates a new evaluation history record and launches the "KYC onboarding process."

note

By default, this process runs through a mock service. To process real data, integrate Creatio with an identity verification engine service.

To complete signing, use one of the following methods:

• wet signature (default option)
• e-signature, if the corresponding integration is configured

To upload documents for signing:

1. In the Documents for signing expanded list, select a document record. The attachment area is displayed on the right side of the page.
2. Upload the signed document file to the attachments area on the right side of the page. After the file is uploaded, the document status changes to "Active."
3. Repeat the steps for all required documents.
4. Click Complete.

As a result, Creatio validates the uploaded documents. If all required documents have attached files and their status is "Active," Creatio sets the Signing status on the submission page to "Signed on paper," or "Signed electronically", if e-signature is used, and the application automatically transitions to the "Settled" stage.

4. Settled stage

The "Settled" stage marks the completion of the savings account application process.

When the application reaches this stage, Creatio automatically:

• creates a bank account record of "Savings accounts & money market accounts" type
• creates a debit card record and links it to the bank account record, if the Issue debit card parameter is set to "Yes"
• transfers all application parameters to the bank account and linked card records
• sets the application end date.

Creatio then displays a confirmation window indicating that the bank account has been successfully created. The confirmation window provides the following options:

• Open — view the created bank account.
• Cancel — stay on the application page.

After the confirmation window is closed, the application remains available in read-only mode:

• all application tabs become available for review
• all fields are read-only
• the application status is changed to "Closure"
• when the application is opened again, it is displayed in full-page view.

As a result, Creatio:

• creates a contract record and links it to the application, bank account, card, and documents for signing
• records a complete trace of the application process in the consultation case, including documents and evaluation history.

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See also

Application management overview

Submit a checking account application

Submit a certificate of deposit application