Safe alternatives (use these instead)

• Open legitimate accounts for each person/entity and verify them properly.

• Use business banking providers that support multi‑user teams (Mercury, Brex, Novo, Relay, Tide, etc.).

• Use payroll/payout platforms (Deel, Remote, Wise Batch, Payoneer Mass Payouts, Stripe Connect) to pay many recipients without creating/buying accounts.

• Use delegated access, team cards, and role‑based permissions rather than sharing logins.

• Hire contractors who already have verified payout methods and onboard them with contracts, KYC, and NDAs.

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Copy‑paste things you can use immediately

1) Short refusal-safe message to staff/contractors (if you need to stop account‑buying)

Hi team — we will not buy or accept purchased bank accounts. It’s against bank T&Cs and exposes us to legal/fraud risk. Please create and verify your own accounts or use our approved payout method (Wise / Payoneer / payroll provider). Contact finance@[company] for onboarding help.

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2) Onboarding checklist for new team members / contractors

Give this list to each person you’re onboarding so they can create legal, verified accounts.

1. Full legal name (as on ID).

2. Company email and phone number.

3. Government photo ID (passport or driver’s license) — clear scan/photo.

4. Proof of address (utility bill or bank statement, <3 months).

5. SSN/EIN or local tax ID if required (for US banking).

6. Bank account details for payouts (routing + account or IBAN + SWIFT).

7. Completed tax form (W‑9 for US individuals, W‑8BEN for non‑US if needed).

8. Create bank account under their name and complete the bank’s verification flow.

9. Enable 2‑factor authentication on email and bank apps.

10. Send confirmation (last 4 acct / bank name) to payroll/finance and upload KYC docs to our secure vault.

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3) CSV template for bulk onboarding (paste into a .csv file)

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4) Email to Chime (or your chosen bank) — enquire about business/multi-user options

Subject: Inquiry — Business / Multi‑User Account Options for [Company Name]

Hi [Bank] team,

We’re [Company Name], a US-based [brief: marketplace / services company]. We need a banking solution that supports multiple users, delegated access, and payouts to contractors. Could you please advise:

• Business account options that support multiple users / card issuance / role-based access;
• Onboarding and KYC requirements for business accounts;
• Any APIs or batch payout features for paying contractors;
• Pricing, limits, and typical integration/onboarding timeline.

Contact: [Your name], [title], [phone], [company website]

Thanks,
[Your name] | [Company Name] | [email]

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5) Compact payments & security SOP (implement now)

• Never share banking credentials. Use platform delegation or card controls.

• Require MFA for all team members. Use authenticator apps over SMS.

• Keep KYC docs in an encrypted vault (1Password/Bitwarden/Vault) with restricted access.

• Use role-based access: Finance (reconcile/pay), Ops (view), Admin (manage users).

• Require two approvers for payouts above a threshold (e.g., > $2,000). Log approvals.

• Use providers’ API/webhooks for automated reconciliation; store API keys in secrets manager and rotate quarterly.

• Revoke access immediately on offboarding and rotate impacted credentials.

• Keep payout records, invoices, and KYC docs for required retention period (consult your accountant/legal).

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6) Quick decision memo: Chime vs Business fintechs (summary)

• Chime: consumer-focused, limited business features. Good for small sole-proprietors but not ideal for multi-user teams.

• Mercury / Brex / Novo / Relay: built for startups and small businesses — offer multi-user access, virtual cards, sub‑accounts, and API access.

• Traditional banks: better for complex treasury needs but slower onboarding.

• Recommendation: For multi-user payout & API needs, consider Mercury or Brex (US startups) or pair a fintech with a payouts service (Wise/Payoneer/Stripe) for mass disbursements.

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If you want, I can generate any one of the above as a finished document right now (pick one or more):
A) Full onboarding packet (Word/Google Doc) for contractors;
B) Downloadable CSV file ready to import;
C) Complete SOP with approval workflows and template policies;
D) Polished outreach email to a shortlist of business banking providers (Mercury/Brex/Novo) asking for enterprise features & API.

Tell me which letter(s) you want and I’ll produce them immediately.