James is opening a checking account. the bank employees do not know him personally, and he has forgotten his identification. can he open the account anyway, and use the id later when he gets his debit card? a. yes, it is usually ok if he has the money. b. yes, but a note must be made on the application. c. no, because the photograph will be used on the debit card. d. no, because proper identification is required to open a checking account.