Opening a company account is often the first time a new founder discovers how many CAC documents a bank actually wants to see.
Most of it is predictable once you know the pattern. A little preparation turns a two-visit process into one.
Why banks lean on CAC paperwork
A bank needs to confirm a company is real, and who is allowed to act for it, before it opens an account. CAC's documents are the standard proof for both.
This is common practice across most banks, not a rule CAC itself sets. Expect some variation from one bank to the next, particularly on which documents need certifying.
The certificate of incorporation
Most banks ask for this one. It is the core proof your company exists, with your RC number and registration date on it.
Bring both a physical copy and a digital one. Some banks scan it on the spot; others want a printed copy for their file, and a few ask for both without warning you in advance.
The memorandum and articles, sometimes certified
Most banks also want your memorandum and articles of association. Some accept a plain copy. Others insist on a certified true copy, stamped by CAC itself.
Ask before your appointment which version your bank wants. Getting a certified true copy takes a few extra steps, so it is worth knowing in advance rather than at the counter, especially if the branch cannot process the request itself.
The status report some banks ask for
A number of banks also ask for a status report, a snapshot of the company's current directors, shareholders and standing with CAC. This is more common for larger accounts or when opening as a new customer.
See the CAC status report: what it is and its fee for what it shows and what it costs to request.
Your Tax ID and other details banks add themselves
Alongside your CAC paperwork, expect the bank to ask for the company's Tax ID, linked to its CAC registration number. See getting a Tax ID after you register a company if you have not looked yours up yet.
Beyond that, banks add their own account-opening forms, signatory details and identification for whoever will operate the account. Those requirements sit outside anything CAC issues, and are worth confirming directly with your bank before your appointment, rather than discovering them at the counter.
Gather everything above before your appointment, so a missing document does not send you back for a second visit. Call ahead if you can, since a five-minute question can save an hour sitting at the branch waiting for someone to check.
If you have not yet registered your company, you can start a CAC company registration first.