Why is my online account locked?

Why Your Account May Be Locked Due to CIP Check Failure

If you log in to your American Estate & Trust (AET) online account and notice that certain tabs are locked, it is likely because of a failure in our Customer Information Program (CIP) check. As an IRA custodian, AET is required to maintain up-to-date client information, including personal details and a valid government-issued photo ID. If your ID has expired or if there are missing or outdated details in your account, certain features of your online portal will be restricted until the issue is resolved.

What Happens When My Account Fails the CIP Check?

When your account fails the CIP check, certain sections of your online portal will be locked. These sections include:

• Dashboard

• Assets

• Bill Pay

• Invest (DOI)

• Signing Requests (Jobs)

However, you will still have access to the following tabs:

• Account Status

• Documents

• Profile

These accessible sections allow you to update the necessary information to resolve the CIP failure.

How to Unlock Your Account

To restore full access to your account, follow these steps:

1. Upload a Valid Photo ID
   Go to the Documents tab and upload a current government-issued photo ID with a visible expiration date.

2. Update Personal Information
   If you’ve changed your address, name, or other personal details, update them in the Profile tab.

3. Contact AET Support
   If you are unsure why your account is locked or need assistance, reach out to AET Support for further guidance.

Preventing Future Lockouts

To avoid interruptions to your account access:

• Ensure your ID is always current and uploaded to your AET account before it expires.

• Keep your personal information up to date, especially after major life changes such as marriage or relocation.

• Regularly review your account profile to confirm all details are accurate.

Need Further Assistance?

If you need help or have additional questions, please contact AET Support: