**Assuming you’re in Canada, an old address on otherwise valid photo ID should not automatically prevent you from buying the draft.** FINTRAC’s photo-ID verification method requires valid, unexpired government ID with a matching name and photograph; it does not require the printed address to match your bank’s records. Your bank may nevertheless apply additional checks. [FINTRAC guidance](https://fintrac-canafe.canada.ca/guidance-directives/client-clientele/Guide11/11-eng.php#s2a)

For a draft approaching $100,000, **prepare to show photo ID and don’t assume your card and PIN will be sufficient**. Whether the teller actually requests ID depends on the bank’s procedures and your existing verification records.

Given your closing deadline, call the branch now, explain the mismatch, and confirm what they will accept. Bring:

- Your bank card and original, unexpired photo ID.
- A recent utility bill or government document showing your current name and address.
- Another valid photo ID, such as a passport, if available.

Also confirm that the funds are available for withdrawal and get the exact payee name and amount from your closing lawyer. The mismatch may require clarification, but it is not, by itself, an automatic disqualification.