Regulations Governing the Deposit Accounts and Suspicious or Unusual Transactions Article 13
When processing a deposit account opening application, a bank shall verify the identity of the applicant by the following methods, and check the ID card issuance, replacement, and reissuance records, reported case records, and supplemental notation information through the JCIC:1. For over-the-counter applicants, a bank shall verify the identity of the applicant using dual identification documents that suffice to authenticate the identity of the applicant.2. For online applicants, a bank shall verify the identity of the applicant using the real-name authentication methods prescribed by the Bankers Association of the Republic of China and reported to the competent authority for reference.A bank shall verify the identity of a customer before processing his/her deposit account opening application. A bank shall reject a customer's account opening application if:1. The customer is suspected of using a fake name, a nominee, a shell company, or a shell legal person/organization to open a deposit account.2. The customer uses forged or altered identification documents or only provides photocopies of the identification documents.3. Documents provided by the customer are suspicious or unclear, or the customer refuses to provide other supporting documents, or the documents provided cannot be authenticated.4. The customer procrastinates in providing identification documents in an unusual manner.5. Another deposit account opened by the same customer has been reported as a watch-listed account and remains on the watch list, except for any of the following circumstances:(1) The account is opened for salary transfer and the applicant has provided an employment certificate or documents issued by his/her employer;(2) The account is opened for disbursement of a loan to the applicant that has been approved by the bank; or(3) The account is permitted to be opened under other provisions of law.6. Other unusual circumstances exist and the customer fails to provide a reasonable explanation.
中文原文 存款帳戶及其疑似不法或顯屬異常交易管理辦法第13條
銀行受理客戶開立存款帳戶，應以下列方式查核客戶身分，並透過財團法人金融聯合徵信中心查詢國民身分證領補換資料與通報案件紀錄及補充註記資訊：
一、臨櫃申請應實施雙重身分證明文件查核，身分證明文件，應具辨識力。
二、網路申請應依中華民國銀行商業同業公會全國聯合會所定並經主管機關備查之實名認證方式查核。
銀行應確認客戶身分，始得受理客戶開立存款帳戶，如有下列情形之一者，應拒絕客戶之開戶申請：
一、疑似使用假名、人頭、虛設行號或虛設法人團體開立存款帳戶。
二、持用偽、變造身分證明文件或出示之身分證明文件均為影本。
三、提供之文件資料可疑、模糊不清、不願提供其他佐證資料、或提供之文件資料無法進行查證。
四、客戶不尋常拖延應提供之身分證明文件。
五、客戶開立之其他存款帳戶經通報為警示帳戶尚未解除。
但有下列情形之一者，不在此限：
（一）為就業薪資轉帳開立帳戶需要，經當事人提出在職證明或任職公司之證明文件。
（二）為向銀行申辦貸款並經審核同意撥款。
（三）其他法律另有得開立帳戶之規定。
六、受理開戶時有其他異常情形，且客戶無法提出合理說明。
一、臨櫃申請應實施雙重身分證明文件查核，身分證明文件，應具辨識力。
二、網路申請應依中華民國銀行商業同業公會全國聯合會所定並經主管機關備查之實名認證方式查核。
銀行應確認客戶身分，始得受理客戶開立存款帳戶，如有下列情形之一者，應拒絕客戶之開戶申請：
一、疑似使用假名、人頭、虛設行號或虛設法人團體開立存款帳戶。
二、持用偽、變造身分證明文件或出示之身分證明文件均為影本。
三、提供之文件資料可疑、模糊不清、不願提供其他佐證資料、或提供之文件資料無法進行查證。
四、客戶不尋常拖延應提供之身分證明文件。
五、客戶開立之其他存款帳戶經通報為警示帳戶尚未解除。
但有下列情形之一者，不在此限：
（一）為就業薪資轉帳開立帳戶需要，經當事人提出在職證明或任職公司之證明文件。
（二）為向銀行申辦貸款並經審核同意撥款。
（三）其他法律另有得開立帳戶之規定。
六、受理開戶時有其他異常情形，且客戶無法提出合理說明。