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Online Notarization now Legal

notary.signnow.com

11–20 of 26 posts

Re: Online Notarization now Legal

#11
post #7

I'm very excited about this, but it would be nice to see the price without having to first upload a document.

We'll be adding pricing to the homepage this week as well. For everybody reading this, it's $14.95 per notarization.

That's pretty expensive considering most banks do it for free, even when you have a free account with them...

Re: Online Notarization now Legal

#12

If I receive a document notarized by this service, how can I trust that this service has done its due diligence? From a cursory look, I just can't believe that a document can be notarized online without even knowing if the person exists. Admittedly, I don't know too much about the notarization process, so maybe they verify things like identification given to them? Does the service explain what steps it does in order…

I can't see from a cursory glance how they verify identity.

But I assume they might use one of the schemes used by banks when setting up online accounts, or even by the TSA when you forget your ID and want to board a plane. They look at public/commercial records to come up with questions that only you should be able to answer.

Stuff like "DMV records show you own a Toyota Camry, what is the model year?," "which of these best describes your monthly payment on your mortgage?" or "which of these lenders holds one of your student loans?"

Re: Online Notarization now Legal

#13
post #12

If I receive a document notarized by this service, how can I trust that this service has done its due diligence? From a cursory look, I just can't believe that a document can be notarized online without even knowing if the person exists. Admittedly, I don't know too much about the notarization process, so maybe they verify things like identification given to them? Does the service explain what steps it does in order…

I can't see from a cursory glance how they verify identity. But I assume they might use one of the schemes used by banks when setting up online accounts, or even by the TSA when you forget your ID and want to board a plane. They look at public/commercial records to come up with questions that only you should be able to answer. Stuff like "DMV records show you own a Toyota Camry, what is the model year?," "which of th…

We use Experian's Knowledge-Based Authentication, which is similar to what ben1040 mentioned above. It is based on your name, address, and sometimes your SSN.

You can read more on Experian's KBA here: https://www.experian.com/products/pdf/knowledge_iq.pdf Or here: https://www.experian.com/esolutions/esolutions/products/frau...

Re: Online Notarization now Legal

#14
post #7

I'm very excited about this, but it would be nice to see the price without having to first upload a document.

We'll be adding pricing to the homepage this week as well. For everybody reading this, it's $14.95 per notarization.

Would you mind telling why it is more expensive than traditional offline notarization (6-7 dollars)? Do you have specific expenses?

Re: Online Notarization now Legal

#15

The first thing that everyone at my office noticed when I forwarded this link - they are only open from 10:00 AM to 6:00 PM EST? Hopefully that that's the first thing that's tweaked, otherwise anybody on the west coast who wants to notarize something after 3:00 PM is still faced with heading out of the office, plunking down $5 and getting their document stamped. I can see this being very convenient for people who are…

You pay for notarization? Does your company have a business account with a local bank?

Re: Online Notarization now Legal

#16
post #9

Does the full faith and credit clause of the constitution cover notarizations? Or to put it another way will a document with an electronic notarization from Virginia be recognized in the other 49 states? NB the link to the law is buried a couple clicks in. If you are interested in seeing the law: http://notarynow.signnow.com/virginia-notary-law/

No. Different states have different standards for notarization. An online notarization will not satisfy requirements for 49 of the states (since Virginia apparently allows this).

Most states require in-person verification of id, i.e., an actual physical examination of the i.d. presented. The Virginia law requires verification, but does not actually say how such verification would proceed.

In other words...this notary service is only useful if the courts of Virgina have jurisdiction over any legal disputes arising from the transaction.

Re: Online Notarization now Legal

#17
post #3

Is finding a notary really that much of a hassle these days? Every bank I've had an account at had a notary on staff who would notarize documents for free (my current bank has three branches within three miles of my house, all open 7 days per week, and late hours - however I'm sure not everyone is so fortunate).

Have you ever ordered something from Amazon instead of driving 1.5 miles to the Home Hardware down the street? I'm somewhat ashamed to say that I have. Never again!! lol..

Re: Online Notarization now Legal

#18
post #16
post #9

Does the full faith and credit clause of the constitution cover notarizations? Or to put it another way will a document with an electronic notarization from Virginia be recognized in the other 49 states? NB the link to the law is buried a couple clicks in. If you are interested in seeing the law: http://notarynow.signnow.com/virginia-notary-law/

No. Different states have different standards for notarization. An online notarization will not satisfy requirements for 49 of the states (since Virginia apparently allows this). Most states require in-person verification of id, i.e., an actual physical examination of the i.d. presented. The Virginia law requires verification, but does not actually say how such verification would proceed. In other words...this notary…

So full faith and credit does not extend to notarizations?

Re: Online Notarization now Legal

#19
post #16
post #9

Does the full faith and credit clause of the constitution cover notarizations? Or to put it another way will a document with an electronic notarization from Virginia be recognized in the other 49 states? NB the link to the law is buried a couple clicks in. If you are interested in seeing the law: http://notarynow.signnow.com/virginia-notary-law/

No. Different states have different standards for notarization. An online notarization will not satisfy requirements for 49 of the states (since Virginia apparently allows this). Most states require in-person verification of id, i.e., an actual physical examination of the i.d. presented. The Virginia law requires verification, but does not actually say how such verification would proceed. In other words...this notary…

[deleted]

Re: Online Notarization now Legal

#20
post #18
post #16

Earlier quoted context omitted.

No. Different states have different standards for notarization. An online notarization will not satisfy requirements for 49 of the states (since Virginia apparently allows this). Most states require in-person verification of id, i.e., an actual physical examination of the i.d. presented. The Virginia law requires verification, but does not actually say how such verification would proceed. In other words...this notary…

So full faith and credit does not extend to notarizations?

No., the full faith and credit clause provides: Full faith and credit shall be given in each state to the public acts, records, and judicial proceedings of every other state. And the Congress may by general laws prescribe the manner in which such acts, records, and proceedings shall be proved, and the effect thereof.

However, notarization services are not public acts, records, or judicial proceedings. (Strictly speaking, notarization is a public act for state law purposes, but not for federal law purposes.)

EDIT: To clarify, a "public act" for federal law purposes is an act by a publicly elected, or appointed, official of the state. Local officials (county, city, etc.) do not have the power/authority of "public acts" for purposes of federal law. A notary is a state-level bureaucrat, but is not an "official" for federal law purposes because they are not elected or appointed--anyone can be a notary if they pass a simple test. EDIT 2: Note also that Congress gets to say when the FFAC applies, and they have chosen not to apply it to notarization services.

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