Why is my online account locked?

If you log in to your American Estate & Trust (AET) online account and see locks on certain tabs, it is likely due to 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 current government-issued photo ID. If your ID has expired or there are missing or outdated details in your account, specific features in your online portal will be restricted until the issue is resolved.

What Happens When My Account Fails the CIP Check?

If your account fails the CIP check due to an expired ID or outdated personal information, the following sections of your online portal will be locked:

• 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 have 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.

If you need further assistance, please contact AET Support.