Affidavit and Notarization Requirements

Quick answer

An affidavit is a written statement of facts made voluntarily under oath or affirmation. In the Philippines, it ordinarily becomes an affidavit only when the person making it—the affiant—personally appears before a duly commissioned notary public or another officer legally authorized to administer oaths, proves their identity, signs as required, and swears or affirms that the statements are true.

For a standard paper affidavit, bring:

  • The complete, unsigned affidavit, unless the notary instructs otherwise;
  • At least one current government-issued identification document bearing your photograph and signature;
  • The original supporting documents mentioned in the affidavit, plus copies if they will be attached;
  • Any additional form, witness, photograph, or identification required by the office that will receive the affidavit; and
  • The affiant personally—not merely a representative carrying a signed document.

Do not sign a jurat-based affidavit in advance unless the notary specifically directs you to do so in the notary’s presence. A notary must refuse to notarize when the required personal appearance or satisfactory proof of identity is missing. The controlling general framework is the Supreme Court’s 2004 Rules on Notarial Practice, as amended, together with the 2025 Rules on Electronic Notarization for authorized electronic and remote procedures.

What an affidavit should contain

There is no single format suitable for every affidavit. The law, court, agency, bank, school, employer, or transaction involved may prescribe its own form and supporting documents. A properly prepared affidavit commonly contains:

  1. A descriptive title. Examples include “Affidavit of Loss,” “Affidavit of Identity,” or “Joint Affidavit of Two Disinterested Persons.”

  2. The affiant’s identifying details. These usually include the complete name, age or a statement that the affiant is of legal age, citizenship, civil status when relevant, and present address.

  3. A statement of personal knowledge. The affidavit should explain why the affiant knows the facts stated.

  4. Numbered factual paragraphs. State facts in chronological, specific language. Include relevant names, dates, places, document numbers, and events, but only when accurate.

  5. The purpose of execution. Identify the proceeding, transaction, application, or request for which the affidavit will be used.

  6. References to attachments. Clearly label supporting records as annexes or exhibits and ensure that every attachment mentioned is actually included.

  7. The affiant’s signature. For an ordinary jurat, the affiant signs in the notary’s presence.

  8. A jurat. The notary completes the portion stating that the affiant subscribed and swore to or affirmed the affidavit before the notary.

The affidavit should use a language the affiant understands. If the document is in a language the affiant cannot read or understand, the notary must be satisfied that its nature and consequences have been translated or explained. For court or agency submissions, determine whether an official translation or an interpreter’s affidavit is also required.

Jurat versus acknowledgment

These notarial acts are related but not interchangeable.

Jurat

A jurat is normally used for affidavits and other sworn statements. On a single occasion, the affiant:

  • Personally appears before the notary;
  • Presents the document;
  • Is personally known to the notary or identified through competent evidence of identity;
  • Signs the document in the notary’s presence; and
  • Takes an oath or affirmation that the statements in it are true.

The Supreme Court has repeatedly emphasized these requirements, including in A.C. No. 12455.

Acknowledgment

In an acknowledgment, the signer personally appears with a complete document and declares that the signature was voluntarily affixed for the document’s stated purpose. A person signing for a corporation, partnership, principal, or another legal entity must also declare that they have authority to act in that capacity.

An acknowledgment does not necessarily mean that every factual statement was sworn to. If the receiving office requires a sworn affidavit, an acknowledgment alone may be insufficient. The notarial certificate must match the legal act actually performed.

Personal appearance is essential

For conventional paper notarization, the person whose signature is being notarized must personally appear before the notary. Leaving a signed affidavit with a secretary, sending it through a relative, or asking the notary to notarize it based only on a photocopied ID does not satisfy the ordinary rule.

The Supreme Court treats personal appearance and identification as safeguards against fraud. It has disciplined notaries who notarized documents without the signers appearing before them. The Court explains that notarization is not an empty formality because it converts a private document into a public document entitled to evidentiary recognition, subject to contrary proof. See Torrices v. Atty. Lozada.

Personal appearance does not mean the notary guarantees that every statement is true. It means the notary performed the prescribed act, identified the signer, and administered the oath or obtained the acknowledgment. Notarization does not validate an illegal transaction, cure a defective contract, prove ownership by itself, or prevent an interested party from challenging the document.

Acceptable proof of identity

Under the amended definition of “competent evidence of identity,” identification may generally be established through at least one current identification document issued by an official agency and bearing the person’s photograph and signature.

Examples recognized in the rules include a passport, driver’s license, PRC ID, NBI or police clearance satisfying the required features, government-service identification, SSS or GSIS card, senior-citizen card, and other qualifying official identification. The document must be current and must allow the notary to identify the person reliably.

A community tax certificate or cedula by itself is not competent evidence of identity under the notarial rules because it does not provide the required photograph-and-signature safeguard. The Supreme Court discussed this point in A.C. No. 13054.

If the affiant lacks a qualifying ID, the rules provide a credible-witness method:

  • One credible witness who is not a party to or interested in the transaction, is personally known to the notary, and personally knows the affiant; or
  • Two credible witnesses who are not parties to or interested in the transaction, each personally knows the affiant, and each presents qualifying documentary identification.

This is not an automatic substitute for an ID. The notary must be satisfied that every condition is met and may ask for additional information or decline the notarization if identity remains doubtful.

Make sure the name on the affidavit matches the ID. If there is a material discrepancy—such as a different surname, spelling, suffix, or date of birth—bring the records explaining it, such as a PSA certificate, marriage certificate, court order, or prior government record.

The document must be complete

A notary should not notarize:

  • A blank or substantially incomplete document;
  • A document containing blank spaces that could later be filled in materially;
  • A document whose pages or attachments appear to have been substituted;
  • A transaction the notary knows or suspects is unlawful, false, or deceptive;
  • A document presented by someone who does not understand or freely consent to it;
  • A document when the signer appears coerced, incapacitated, or unable to communicate informed consent; or
  • A document when the notary cannot properly establish identity.

Review all names, dates, figures, addresses, attachment labels, and page numbers before appearing. Make corrections before notarization. Avoid erasures or handwritten changes after the document has been notarized; a material correction may require re-execution and a new notarial act.

Who may notarize

Ordinarily, use a lawyer who has a valid notarial commission for the place where the notarial act will be performed. Being a lawyer does not automatically make someone a commissioned notary public.

A valid notarial certificate normally identifies the notary and includes the relevant commission and professional details. The notary must record the act in the notarial register and comply with the Supreme Court’s current reporting requirements. The 2025 amendments to the 2004 Notarial Rules strengthened electronic submission, recordkeeping, and safeguards for notarial records.

A notary generally performs notarial acts within the territorial jurisdiction of the commissioning court and at the notary’s regular place of work or business. The rules recognize limited circumstances in which notarization may occur elsewhere, such as when a person cannot travel because of a medical condition or when the act is performed at a qualifying public place. Convenience alone should not be assumed to create an exception.

A notary must also avoid prohibited conflicts of interest. For example, a notary should not notarize a transaction in which the notary is a party, receives a direct benefit beyond the proper fee, or is related to a principal within the degree prohibited by the rules.

Electronic and remote notarization

The Supreme Court’s 2025 Rules on Electronic Notarization recognize regulated forms of:

  • In-person electronic notarization, involving an electronic document while the principal and electronic notary are physically together; and
  • Remote electronic notarization, conducted through the authorized electronic-notarial system with identity verification, audiovisual communication, electronic signatures, records, and other safeguards required by the rules.

This is not permission to email a scanned signature to any lawyer or to have an ordinary video call followed by a notarial seal. The notary must be duly authorized as an Electronic Notary Public, and the transaction must use the Supreme Court-authorized process and satisfy the applicable identity, location, recording, document, and electronic-signature requirements. The Supreme Court’s Electronic Notarization FAQs provide official operational guidance.

Paper documents with wet signatures continue to be governed principally by the amended 2004 Rules. If an office requires an original paper affidavit, ask whether it accepts an electronically notarized document before paying for or completing the electronic process.

Affidavits executed abroad

An affidavit signed outside the Philippines may require more than ordinary local notarization. Depending on the country and the receiving Philippine office, common routes include:

  • Execution before a Philippine embassy or consulate authorized to perform notarial services;
  • Notarization before a competent foreign notary followed by an apostille issued by the proper authority of a country participating in the Apostille Convention; or
  • For a non-participating country, the authentication or legalization process required by the Philippines and the country of origin.

An apostille authenticates the origin of the public document or notarial certificate; it does not certify that the

Quick answer

An affidavit is a written statement of facts made under oath or affirmation. In the Philippines, it ordinarily requires a jurat: the affiant must personally appear before an authorized notary public, prove identity, sign the affidavit in the notary’s presence, and swear or affirm that its contents are true.

A document does not become a valid affidavit merely because it contains the word “affidavit,” already bears a signature, or has a notarial stamp. The required form ultimately depends on where the affidavit will be submitted. Courts, prosecutors, registries, banks, schools, employers, and government agencies may prescribe additional wording, attachments, witnesses, filing channels, or deadlines.

For conventional paper notarization, bring an unsigned, complete document and at least one current government-issued identification document bearing your photograph and signature. Do not sign until the notary instructs you. Electronic or remote notarization is lawful only when performed by a duly authorized electronic notary through the procedures prescribed by the Supreme Court—not through an informal video call or emailed signature alone.

What an affidavit should contain

Although there is no single form for every Philippine affidavit, a properly prepared affidavit commonly contains:

  • A title identifying its purpose, such as “Affidavit of Loss” or “Affidavit of Discrepancy”;
  • The affiant’s complete name, citizenship, age or statement of legal capacity when relevant, civil status when material, and address;
  • Numbered statements setting out material facts clearly and chronologically;
  • A statement explaining why the affidavit is being executed;
  • References to supporting documents, with properly marked attachments when required;
  • The affiant’s signature; and
  • A jurat completed and signed by the notary public.

Use the name appearing on your official identification. If different records use different names, initials, dates, or spellings, disclose the discrepancy accurately rather than silently choosing one version.

Write only facts that you personally know or clearly identify the source of information. Avoid guesses, exaggerated conclusions, hearsay presented as personal knowledge, and legal accusations unsupported by specific facts.

Jurat versus acknowledgment

These notarial acts are not interchangeable.

Jurat

A jurat is normally used for an affidavit. The affiant:

  1. Personally appears before the notary;
  2. Presents the document;
  3. Is personally known to the notary or proves identity through competent evidence;
  4. Signs in the notary’s presence; and
  5. Takes an oath or affirmation concerning the truth of the document.

The jurat commonly begins with wording such as “Subscribed and sworn to before me,” but wording alone cannot replace actual appearance, identification, signing, and oath-taking.

Acknowledgment

An acknowledgment is commonly used for contracts, deeds, powers of attorney, and other instruments executed as a voluntary act. The person appears before the notary and declares that the existing signature was voluntarily affixed for the purposes stated in the complete document. A representative must also declare that the person has authority to sign in that capacity.

An acknowledgment does not ordinarily turn an unsworn statement into an affidavit. If the receiving office asks for a “sworn affidavit,” the document generally needs a jurat.

The definitions and requirements appear in the Supreme Court’s 2004 Rules on Notarial Practice, as amended.

Personal appearance is a real requirement

For an ordinary paper affidavit, the affiant must personally appear before the notary at the time of notarization. The notary must not notarize a document if the signer is absent or cannot be properly identified.

Accordingly, a legitimate conventional notarization cannot ordinarily be completed by:

  • Sending an already signed affidavit through a relative, messenger, or fixer;
  • Leaving the document at an office for later stamping;
  • Asking a notary to rely only on a photocopied signature;
  • Using a blank or incomplete document;
  • Having another person take the oath for the affiant; or
  • Conducting an informal video call outside an authorized remote-notarization procedure.

The Supreme Court has repeatedly enforced these requirements because notarization gives a document evidentiary significance and public confidence. See, for example, Bije v. Bijis and Torrices v. Atty. Guzman.

What identification is acceptable?

Under the amended definition of “competent evidence of identity,” identification may be established through at least one current identification document issued by an official agency and bearing the individual’s photograph and signature.

Examples listed in the rules include a passport, driver’s license, PRC ID, SSS card, GSIS e-card, senior-citizen ID, government-office ID, seaman’s book, and certain government-issued clearances or certifications. The list is illustrative, but the document must satisfy the governing requirements.

A community tax certificate or cedula by itself is not competent evidence of identity under the Notarial Rules. The Supreme Court has specifically cautioned against relying on it as the signer’s sole identification.

If the affiant has no qualifying ID, the rules provide a credible-witness route:

  • One credible witness who is not involved in the transaction, is personally known to the notary, and personally knows the affiant; or
  • Two credible witnesses who are not involved in the transaction, personally know the affiant, and present their own documentary identification.

This is not simply a matter of bringing any companion. The witnesses must satisfy the rule, take the required oath or affirmation, and be acceptable to the notary.

Because receiving institutions sometimes impose stricter operational requirements, ask in advance whether they require a particular ID, multiple IDs, photocopies, or proof of address.

Prepare the affidavit before going to the notary

A safe process is:

  1. Confirm the receiving office’s requirements. Obtain its current form, checklist, submission method, and deadline. A generic affidavit may be rejected if a prescribed form is required.
  2. Gather the records. Use official documents, messages, receipts, photographs, reports, and other reliable sources to verify names, dates, amounts, reference numbers, and events.
  3. Draft a complete statement. Explain what happened, when, where, who was involved, and why the affidavit is being made.
  4. Mark attachments clearly. Refer to each attachment in the body and keep complete, readable copies.
  5. Review every page. Correct blank spaces, inconsistent dates, missing pages, and unexplained alterations before notarization.
  6. Bring the original qualifying ID. Bring additional identification if the receiving office or notary requests it.
  7. Appear personally. Sign only when directed, take the oath or affirmation, and answer the notary’s identity and capacity questions truthfully.
  8. Check the completed notarial certificate. Confirm the date and place, your name, ID details where stated, notarial register details, and the notary’s signature and seal.
  9. Keep a complete copy. Preserve the affidavit, attachments, proof of submission, and receipt or tracking record.

Do not ask the notary to certify facts the notary did not witness. The notary’s function is not to investigate the entire dispute or guarantee that every factual assertion is correct.

Check whether the notary is authorized

A Philippine notary public is a lawyer with a current notarial commission issued for a particular territorial jurisdiction. A notary generally performs notarial acts at the regular place of work or business stated in the commission, subject to limited exceptions under the rules.

Before relying on the document, check that the notarial certificate is complete and appears to state:

  • The venue or place of notarization;
  • The date of notarization;
  • The affiant’s personal appearance;
  • The type of notarial act;
  • The notary’s name and signature;
  • Commission details and validity period;
  • Roll of Attorneys, IBP, and professional-tax details required by the rules;
  • The notarial register’s document, page, book, and series numbers; and
  • The official notarial seal.

A seal or signature alone does not prove valid notarization. If authenticity is important or disputed, contact the Office of the Clerk of Court or Executive Judge that issued the commission and request the appropriate verification or certification.

The document must be complete

A notary must refuse an unlawful or improper act and must not notarize a blank or incomplete instrument. Do not sign an affidavit containing:

  • Missing pages;
  • Unfilled material blanks;
  • Unidentified attachments;
  • Conflicting names or dates;
  • Material handwritten changes that have not been properly addressed;
  • Statements you do not understand; or
  • Facts supplied by someone else that you cannot truthfully adopt.

Read the document in a language you understand. If you cannot read, have a disability affecting execution, or need an interpreter, tell the notary before signing. Special procedures may apply to signatures by thumbmark or other mark and to persons unable to sign conventionally.

Electronic and remote notarization

The Supreme Court’s Rules on Electronic Notarization, A.M. No. 24-10-14-SC, took effect in 2025. They govern authorized electronic notarial acts, including in-person electronic notarization and remote electronic notarization. The Supreme Court also maintains official Electronic Notarial Services FAQs.

Electronic notarization does not eliminate identity verification, personal appearance as defined by the applicable electronic procedure, consent, oath-taking, recordkeeping, or security requirements. Use only:

  • A notary with the required electronic-notary authority;
  • The Supreme Court-authorized service and procedure;
  • Approved identity, signature, audiovisual, and document-integrity controls; and
  • The correct procedure for an electronic document or for remotely notarizing a paper document.

A scanned signature, pasted image of a seal, ordinary electronic-signature application, or recorded online meeting does not by itself constitute electronic notarization.

Before choosing this route, confirm that the receiving court, agency, bank, foreign authority, or private institution accepts the resulting electronic document in the form provided. A legally available method may still be unsuitable if the receiving office requires an original paper document, a wet signature, an apostille, or a particular file format.

Affidavits for court or investigation

An ordinary affidavit is not automatically sufficient for every judicial, prosecutorial, or administrative proceeding.

For example, a judicial affidavit used as a witness’s direct testimony is governed by the Judicial Affidavit Rule, A.M. No. 12-8-8-SC. It generally requires a question-and-answer format, information about the examining lawyer, identification and marking of documentary evidence, the witness’s sworn attestation, and the lawyer’s sworn attestation. It also has case-specific submission rules and consequences for late filing.

Complaint-affidavits and counter-affidavits in criminal proceedings must comply with the current rules on preliminary investigation and the prosecutor’s directives. Court pleadings may separately require verification or a certification against forum shopping. These documents serve different purposes and should not be casually combined.

If a subpoena, court order, prosecutor’s notice, or agency directive states a deadline, follow that specific deadline. There is no universal filing period for all affidavits.

Affidavits executed outside the Philippines

An affidavit signed abroad may require more than foreign notarization before it can be used in the Philippines. Depending on the country, receiving office, and intended use, the document may need:

  • Execution before a Philippine embassy or consulate;
  • Local notarization followed by an apostille issued by the competent authority of a country that is party to the Apostille Convention; or
  • Authentication or legalization under the procedure applicable to a non-Apostille country.

An apostille authenticates the origin of the public document or official signature; it does not prove that every statement in the affidavit is true.

Ask the Philippine receiving office which route it accepts before signing abroad. Also confirm whether it requires an English or Filipino translation, a certified translation, original attachments, or a particular consular form.

What notarization does—and does not do

Proper notarization generally converts a private document into a public document for evidentiary purposes and gives the regularity of its execution a rebuttable presumption. It can make the document admissible without the same preliminary proof of authenticity ordinarily required for a private document.

However, notarization does not:

  • Establish that every factual statement is true;
  • Cure fraud, forgery, incapacity, duress, illegality, or lack of authority;
  • Supply a missing statutory requirement;
  • Transfer property when the underlying legal requirements are absent;
  • Make an invalid agreement valid;
  • Prevent another person from presenting contrary evidence; or
  • Guarantee acceptance by the intended court, agency, bank, or foreign authority.

A defective notarization may cause the document to be treated as a private document, but the exact effect depends on the document, the transaction, and the governing law. Some transactions independently require a public document, registration, witnesses, approval, or a particular statutory form.

False statements and altered documents

An affidavit is made under oath. Knowingly making an untruthful statement on a material matter in an affidavit required by law may constitute perjury under Article 183 of the Revised Penal Code, as amended by Republic Act No. 11594. Other conduct—such as forging signatures, altering a notarized instrument, using a falsified public document, or inducing a notary to make false entries—may raise separate criminal, civil, administrative, or professional issues.

Not every mistake is automatically perjury. Liability depends on the statutory elements, including whether the statement was knowingly false, material, made under oath before a competent officer, and made in a situation in which the law requires the oath. Correct an honest error promptly through the procedure accepted by the receiving office; do not erase or secretly replace material information after notarization.

Evidence to preserve

Keep the following, especially if the affidavit concerns a loss, accident, employment issue, debt, property dispute, identity discrepancy, harassment, fraud, or criminal complaint:

  • The complete signed and notarized affidavit;
  • Every attachment in the form submitted;
  • Clear copies of the ID shown to the notary;
  • Drafts showing how a material error was corrected;
  • Receipts and proof of the notarial transaction;
  • Submission receipts, emails, portal confirmations, and courier records;
  • Original messages, photographs, recordings, and electronic files;
  • Metadata and unedited source files where authenticity may matter;
  • Police, barangay, medical, incident, or agency reports;
  • Contracts, official records, account statements, and payment records; and
  • Names and contact details of witnesses.

Preserve originals. Do not crop screenshots in a way that removes dates, senders, URLs, or surrounding context. Avoid editing source files merely to make them easier to present; create working copies instead.

Common mistakes

Common causes of rejection or legal difficulty include:

  • Using an acknowledgment when a jurat is required;
  • Signing before appearing before the notary;
  • Sending another person to obtain the notarial seal;
  • Presenting only a cedula as identification;
  • Using an expired ID or one without both photograph and signature;
  • Leaving material blanks in the affidavit;
  • Failing to attach documents mentioned in the text;
  • Using a generic online template despite a prescribed form;
  • Giving dates or names inconsistent with official records;
  • Treating assumptions or second-hand accounts as personal knowledge;
  • Notarizing after the agency or court deadline has already expired;
  • Altering the affidavit after notarization;
  • Assuming notarization proves ownership, authority, or truth; and
  • Paying a fixer who offers notarization without personal appearance.

When legal help is urgent

Consult a Philippine lawyer promptly if:

  • You have received a subpoena, summons, demand, or prosecutor’s notice;
  • A filing deadline is near or has passed;
  • The affidavit may expose you or another person to criminal liability;
  • You are being pressured to sign facts you do not believe are true;
  • Your signature or a notarial entry appears to have been forged;
  • Property, inheritance, custody, immigration status, employment, or a substantial amount is involved;
  • The affidavit will withdraw a complaint, waive rights, admit liability, or settle a dispute;
  • You are signing for a corporation, estate, minor, or another person;
  • The signer lacks capacity, cannot read the document, or needs an interpreter;
  • A foreign authority will use the document; or
  • The receiving office rejected the affidavit and the deadline continues to run.

For qualified persons who cannot afford private counsel, possible sources of assistance include the Public Attorney’s Office, the Integrated Bar of the Philippines, law-school legal-aid clinics, and participating providers under the Supreme Court’s Unified Legal Aid Service. Eligibility and available services vary.

Frequently asked questions

Can I prepare my own affidavit?

Yes, unless a lawyer’s participation or a prescribed form is required. But the affidavit must accurately state the relevant facts and satisfy the requirements of the receiving office. Legal review is sensible when rights, liability, property, criminal allegations, or strict deadlines are involved.

Can I sign the affidavit at home?

For a conventional jurat, sign in the notary’s presence. If you signed too early, tell the notary; do not conceal it or assume the notary can simply stamp the document.

Is one government ID enough?

The Notarial Rules allow at least one current official identification document bearing the holder’s photograph and signature. A notary or receiving institution may reasonably request additional documents where identity, capacity, or authority needs further verification.

Is a barangay certificate always acceptable?

Not automatically. The actual document must satisfy the rule and enable reliable identification. Ask the notary and receiving office before relying on it, particularly if it lacks a photograph or signature.

Is a cedula enough?

No. A community tax certificate alone is not competent evidence of identity for notarization under the Notarial Rules.

Must every affidavit be notarized?

A document presented as an affidavit ordinarily must be sworn or affirmed before an authorized officer. However, a particular law, rule, or agency procedure may permit another form of verified declaration or electronic submission. Follow the rule governing the specific transaction.

Does the notary have to be the lawyer who drafted the affidavit?

No. A commissioned notary may notarize a document prepared by someone else, provided the notarial act is lawful and all requirements are met. Drafting or advising on the document is separate from administering the oath.

Can a notary refuse to notarize?

Yes. A notary must refuse an unlawful, false, incomplete, improper, or prohibited act and may require satisfactory proof of identity, capacity, authority, and willingness.

Is notarization valid forever?

Notarization records the act performed on a particular date; it does not give every affidavit an unlimited useful life. A receiving office may require a recently executed affidavit, and changed facts can make an older affidavit inaccurate.

Can I correct an error after notarization?

Do not erase, overwrite, replace pages, or add material statements to the notarized document. Ask the receiving office whether it requires a newly executed affidavit, a supplemental affidavit, or another formal correction.

How much does notarization cost?

There is no dependable universal price for every affidavit. Charges may vary according to the service, document, locality, and applicable rules. Ask for the fee before proceeding and request a receipt. Be cautious of unusually cheap “no appearance” services.

Can an online notary notarize my affidavit?

Only if the notary and the transaction comply with the Supreme Court’s electronic-notarization rules and authorized system. A conventional video call, emailed PDF, or digital image of a seal is not enough.

Where can I complain about improper notarization?

Preserve the original document and evidence, then seek guidance from the Office of the Clerk of Court or Executive Judge that commissioned the notary. A complaint against a lawyer may also fall within the Supreme Court’s disciplinary system. If forgery, falsification, fraud, or another crime is suspected, consult counsel or the appropriate law-enforcement or prosecutorial office promptly.

Official sources

This article provides general Philippine legal information, not legal advice or a substitute for reviewing the actual document and applicable procedure. Requirements may differ by transaction and receiving institution. Official sources were last checked on July 27, 2026.

Disclaimer: This content is not legal advice and may involve AI assistance. Information may be inaccurate.