What banks still require by fax
Banks treat email as an unacceptable channel for anything carrying a signature or a full account number, and many have not built a secure upload path for the long tail of one-off forms. Fax is what is left.
The documents that most often come with "fax this to us" attached are dispute and fraud affidavits, wire transfer authorizations, beneficiary changes, loan and HELOC paperwork, trust and estate documentation, and identity verification after a flagged transaction.
| Document | Typical department | Watch for |
|---|---|---|
| Fraud / dispute affidavit | Disputes or fraud claims | Filing deadlines — often 60 days from the statement |
| Wire transfer authorization | Wire operations | Same-day cutoff times, usually early afternoon |
| Beneficiary change | Account services | Notarization is frequently required |
| Loan / HELOC documents | Loan processing | Reference the loan number on every page |
| Identity verification | Fraud prevention | Redact what they did not ask for |